Looking for recommendations on books to learn internet technology. Originally studied finance, but think the potential is great!

Now very very hot two books "Internet Finance" "China's small and micro-finance - throughout China's small and medium-sized micro-enterprise financing planning and profitability model design"

"Internet Finance" Table of Contents

Preface VIII

The first chapter of the Internet finance overview

Chapter 1 - Overview of Internet Finance 3

1.1 Overview of Internet Finance 3

1.1.1 Definition of Internet Finance 3

1.1.2 Characteristics of Internet Finance 5

1.1.3 Overview of the Six Models of Internet Finance 7

1.1.4 Representative of the Internet Money- -Bitcoin 10

1.2 Overview of the Development of Internet Finance 15

1.2.1 Overview of the Development of Foreign Internet Finance 15

1.2.2 Overview of the Development of Domestic Internet Finance 17

Chapter 2 - Development and Changes of the Financial Industry 24

2.1 Basic Overview of the Financial Industry 24

2.1.1 Meaning of Finance 24

2.1.2 Definition of the Financial Industry 24

2.2 Development of the Traditional Financial Industry 25

2.2.1 The Creation of Commercial Banks 25

2.2.2 The Functions of Commercial Banks 25

2.3 The Emergence of the Modern Financial Industry 26

2.3.1 Changes in Financial Institutions 26

2.3.2 Positioning of the Modern Financial Industry 31

2.3.3 Greatly Enhanced Strategic Position of the Modern Financial Industry 32

2.4 Financial Innovations and Changes in the Financial Industry 33

2.4.1 The Meaning of Financial Innovations 33

2.4.2 Motivations for Financial Innovations 33

2.4.3 Development Stages of Financial Innovation 35

2.4.4 Impact of Financial Innovation on the Financial Industry 37

2.5 Current Situation and Future of China's Financial System 40

2.5.1 The Development History of China's Financial Industry 40

2.5.2 The Structure of China's Current Financial System 45

2.5.3 China's Problems Faced by the Financial System 49

2.5.4 Future Development Trends of China's Financial Industry 50

Chapter 3 - Financial Changes Triggered by the Development of the Internet 52

3.1 The Development of the Internet 52

3.1.1 Definition of the Internet 52

3.1.2 Current Status of China's Internet Development 52

3.2 Social Changes Triggered by the Internet 54

3.2.1 Life Changes Triggered by the Internet 55

3.2.2 Business Changes Triggered by the Internet 58

3.3 Changes in the Financial Sector Triggered by the Internet 60

Part II: Six Models of Internet Finance

Chapter 4 - Third-Party Payment 65

4.1 Overview of Third-Party Payment 65

4.1.1 Definition of Third-Party Payment 65

4.1.2 Business Processes of Third-Party Payment 65

4.1.3 Value of Third-Party Payment 67

4.1.4 Development of Third-Party Payment 68

4.1.5 Scale of Third-Party Payment Industry 70

4.2 Third-Party Payment Operation Models 72

4.2.1 Independent Third-Party Payment Models 73

4.2.2 Guaranteed Payment Models with Transaction Platforms 79

4.2.3 Comparative Analysis of the Two Models 85

4.3 Influence of Third-Party Payment on the Development Dynamics of the Financial Sector 86

4.3.1 Promoting the service changes in the financial industry 87

4.3.2 Eating into the intermediate business of banks 88

4.3.3 Creating new financing methods 89

4.4 Risk Analysis of Third-Party Payments 92

4.4.1 Operational Risks 92

4.4.2 Legal Risks 93

4.5 Risk Prevention of Third-Party Payments Recommendations 95

4.5.1 Carry out the rating of third-party payment platforms 95

4.5.2 Promote legislation and strengthen supervision 96

4.5.3 Include third-party payment platforms in the scope of anti-money laundering monitoring 96

4.5.4 Rely on high-tech means to strengthen the security of the information system 96

4.5.5 Audit beforehand, monitor during, and manage afterward 97

4.5.5 Pre-auditing and monitoring during the incident and management after the incident 97

4.6 Development Trends 98

4.6.1 Increasing Competition in the Market 98

4.6.2 Continuous Expansion of Application Areas 98

4.6.3 Continuous Innovation of Payment Methods 99

4.6.4 Diversification of Business Modes 99

Chapter 5 - P2P Online Lending 100

5.1 Overview of P2P Online Lending 100

5.1.1 Definition of P2P Online Lending 100

5.1.2 Transaction Process of P2P Online Lending 100

5.1.3 Overview of the Development of P2P Online Lending Abroad 101

5.1.4 Overview of the Development of P2P Online Lending Domestically 104

p>5.3.1 Regulating Private Lending and Curbing Usury 125

5.3.2 Promoting the Development of Direct Financing 126

5.3.3 Accelerating the Marketization of "Shadow Banking" 127

5.3.4 Promoting the Construction of Credit Collection System 128

5.3.5 Innovating Risk Control Means in the Financial Industry 129

5.3.5 5.3.5 Innovate Risk Control Means in Financial Industry 129

5.3.6 Promote the Reform of Financial Supervision Concept and Innovation of Supervision Methods 129

5.4 Risk Analysis of P2P Lending 130

5.4.1 Operational Risks 130

5.4.2 Liquidity Risks 131

5.4.3 Legal Risks 133

5.4.3 Risks of Credit 133

5.5 P2P Lending Risk Prevention Suggestions 135

5.5.1 Setting Up Entry Thresholds and Strengthening Government Supervision 136

5.5.2 Third-Party Funds Trusteeship and Separation of Clearing and Settlement 136

5.5.3 Improving the Social Credit Collection System and Realizing the Enjoyment of Credit Information **** 137

5.5.4 Clarify the Legal Nature and Determine the Main Body of Supervision 137

5.6 Development Trend of P2P Lending 138

Chapter 6 - Big Data Finance 141

6.1 Overview of Big Data Finance 141

6.1.1 Definition of Big Data Finance 141

6.1.2 Definition of Big Data 141

6.1.3 Combination of Big Data and Finance 146

6.1.4 Advantages of Big Data Finance 148

6.2 Analysis of the Operation Modes of Big Data Finance 150

6.2.1 Platform Mode 150

6.2.2 Supply Chain Finance Mode 156

6.3 Impacts of Big Data Finance on the Development of the Financial Sector Impact of Big Data Finance on the Development of Financial Industry 162

6.3.1 Data Becomes an Important Indicator of Financial Institutions' Core Competitiveness 163

6.3.2 Impacts on the Way of Thinking and Business Models of the Financial Industry 164

6.3.3 Innovative Products and Models Aiding Financial Decision-Making 166

6.3.4 Integration of Big Data Finance with the Traditional Financial Segment 167

6.3.5 Big Data Finance is a Key Financial Segment of the Financial Segment.

6.4 Risk Analysis of Big Data Finance 167

6.4.1 Technical Risks 167

6.4.2 Operational Risks 168

6.4.3 Legal Risks 171

6.5 Suggestions to Prevent Risks of Big Data Finance 172

6.5.1 Accelerating Legislation and Strengthening Self-Regulation in the Industry 172

6.5.2 Realize the balance between data privacy protection and data privacy application 173

6.5.3 Integration of data resources and specialization of division of labor 173

6.5.4 Strengthening data mining 174

6.6 Development trend of big data finance 174

6.6.1 E-commerce financialization to realize the Integration of Information Flow and Financial Flow 175

6.6.2 Financial Institutions Actively Build Data Platforms and Enhance User Experience 176

6.6.3 Big Data Finance Realizes the Division of Labor in the Big Data Industry Chain 177

Chapter 7 - Crowdfunding 179

7.1 Introduction to Crowdfunding 179

7.1.1 Definition of Crowdfunding 179<

7.1.2 Crowdfunding Classification 179

7.1.3 Crowdfunding Campaign Participants 180

7.1.4 Crowdfunding Campaign Operation Process 180

7.1.5 Advantages of Crowdfunding Models 183

7.2 Analysis of Crowdfunding Platforms Operation Models 185

7.2.1 Reward Based Crowdfunding 186

7.2.2 Fundraising Crowdfunding 189

7.2.3 Equity Crowdfunding 193

7.2.4 Borrowing and Lending Crowdfunding 204

7.3 The Impact of Crowdfunding Platforms on the Development of the Financial Sector 206

7.4 Analysis of the Risks of Crowdfunding Platforms 209

7.4.1 Legal Risk 209

7.4.2 Credit Risk 212

7.5 Suggestions for Crowdfunding Mode Risk Prevention 214

7.5.1 Legal System Keeping Up with the Times 215

7.5.2 Establishment of a Sound Credit System in China 216

7.5.3 Methods of Avoiding Risks in Actual Operation 217

7.6 Crowdfunding Platforms Development Trend 219

7.6.1 Forecast of Crowdfunding Model Development Trend 219

7.6.2 The Future of Crowdfunding in China 222

Chapter 8 - Informatized Financial Institutions 224

8.1 Overview of Informatized Financial Institutions 224

8.1.1 Definition of Informatized Financial Institutions 224

8.1.2 History of Informatization of Financial Institutions 224

8.1.3 Characteristics of Informatized Financial Institutions 225

8.2 Analysis of the Operation Modes of Informatized Financial Institutions 227

8.2.1 Electronic Mode of Traditional Businesses 227

8.2.2 Innovative Internet-Based Financial Service Modes 229

8.2.3 Financial E-commerce Mode 233

8.3 The Impact of Informatized Financial Institutions on the Development of the Financial Industry 238

8.3.1 Informatization Becomes the Core Competitiveness of Enterprises and Rises to the Strategic Level 238

8.3.2 The Battleground for the Competition in Financial Services is Shifted 240

8.3.3 Small and Medium-sized Financial Institutions "242

8.3.4 Obvious Trend of Mixed Business 243

8.4 Risk Analysis of Informationized Financial Institutions 244

8.4.1 Risk Characteristics of Informationized Financial Institutions 244

8.4.2 Systematic Risks 245

8.4.1 Risks of Informationized Financial Institutions 244

8.4.2 Risks of Systemic Risks 245

8.4.3 Legal Risks 245

8.4.4 Operational Risks 246

8.5 Suggestions for the Prevention of Risks in Informationized Financial Institutions 248

8.6 Development Trends of Informationized Financial Institutions 249

8.6.1 Virtualization of Service Institutions 249

8.6.2 Civilianization of Service Targets 250<

8.6.3 Platformization of Financial Institutions 252

8.6.4 Personalization of Financial Services 253

Chapter 9 Internet Financial Portals 255

9.1 Overview of Internet Financial Portals 255

9.1.1 Definition of Internet Financial Portals 255

9.1.2 Internet Financial Portal Category 255

9.1.3 Characteristics of Internet Financial Portals 256

9.1.4 History of Internet Financial Portals 258

9.2 Analysis of the Operation Modes of Internet Financial Portals 260

9.2.1 Overview 260

9.2.2 P2P Lending Portals 261

9.2. 3 Credit Portals 265

9.2.4 Insurance Portals 268

9.2.5 Money Management Portals 271

9.2.6 Comprehensive Portals 273

9.3 The Impact of Internet Financial Portals on the Development Dynamics of the Financial Sector 277

9.3.1 Reducing the Degree of Asymmetry of Information in Financial Markets 277

9.3.2 Changing the Way Users Choose Financial Products 278

9.3.3 Forming Counter-Vertical Controls on Upstream Financial Institutions 278

9.4 Risk Analysis and Risk Control Measures of Internet Financial Portals 279

9.4.1 Risks Faced by Internet Financial Portals 279

9.4.2 Internet Financial Portal Risk Control Measures 282

9.5 Development Trend of Internet Financial Portal 283

Third Chapter: Reflections on the Development of Internet Finance

Chapter 10 - Analysis of Internet Financial Risks and Risk Control 289

10.1 Analysis of Internet Financial Risks 289

10.1.1 Systematic Risks 290

< p>10.1.2 Liquidity Risk 293

10.1.3 Credit Risk 296

10.1.4 Technical Risk 296

10.1.5 Operational Risk 299

10.1.6 Market Risk 302

10.1.7 Country Risk 303

10.1. 8 Legal Risk 305

10.1.9 Reputation Risk 306

10.2 Commonly Used Methods for Risk Control in Internet Finance 306

10.2.1 Systematic Risk Control Methods 308

10.2.2 Types of Credit Risk Measurement Models and Analyses 313

10.2.3 Other Common Risk Management Technological Approaches 317

Chapter 11 - Exploration of Internet Financial Regulation 322

11.1 Theoretical Basis of Financial Regulation 322

11.1.1 Theoretical Basis of Financial Regulation and its Development and Evolution 322

11.1.2 Analysis of Financial Regulatory Models and Their Main Contents 327

11.1.3 The System and Main Approaches of Financial Regulatory System and Main Methods of Regulation 332

11.2 Exploration of Internet Financial Regulation in the World 335

11.2.1 U.S. Internet Financial Regulation 336

11.2.2 European Internet Financial Regulation 338

11.2.3 U.K. Internet Financial Regulation 339

11.2.4 Chinese Internet Finance Regulation 340

11.3 Exploration of Internet Finance Risk Regulation 343

11.3.1 Systemic Risk Regulation 343

11.3.2 Liquidity Risk Regulation 344

11.3.3 Credit Risk Regulation 347

11.3.4 Technical Risk Regulation 349

11.3.5 Operational Risk Regulation 351

11.3.6 Reputational Risk Regulation 351

11.3.7 Country-specific Risk Regulation 352

Chapter 12 - Analysis of the Development Environment of the Domestic Internet Finance Industry 354

12.1 Current Situation of the Legal Environment 354

12.1.1 Development Process of the Six Models Different, there are a lot of legal gaps 354

12.1.2 Existing laws are of low rank, with limited coverage of effectiveness 355

12.1.3 Part of the laws are rigid and lagging behind, and don't adapt to the needs of the industry 356

12.2 Suggestions for Improving the Financial Supervision Laws 356

12.2.1 Determine the main body of the supervision as soon as possible, and strengthen the Process Monitoring 357

12.2.2 Explore the Implementation of Industry Entry System and Improve the Exit Mechanism 357

12.2.3 Gradually Fill the Legal Gaps and Reform the Outdated Rules 358

12.3 Current Situation of the Environment of the Industry's Public ****system and the Development Suggestions 358

12.3.1 Current Situation of the Credit System and the Development Recommendations 358<

12.3.2 Cultivation of Internet Finance Talents and Related Suggestions 363

12.4 Industrial Policy Environment and Suggestions 365

12.4.1 Industrial Policy Environment 365

12.4.2 Suggestions for Industrial Policies 365

Appendix I List of Laws and Regulations Related to "Internet Finance" 371

Appendix II List of Licensed Third-Party Payment Enterprises 377

Appendix III List of Partial P2P Internet Lending Enterprises 386

Appendix IV List of Partial Crowdfunding Platforms 390

Appendix V List of Partial Internet Financial Portal Enterprises 392

Appendix VI Excerpts of Opinions of Partial Government Leaders and Enterprise and Business Personnel on Internet Finance 393

Appendix VI Extracts of Views of Partial Government Leaders and Enterprises and Business Persons on Internet Finance 393

References 397

China's Microfinance - Planning and Profit Model Design Throughout the Financing of China's Small, Medium, and Micro Enterprises

Chapter 1: Theoretical Basis of Microfinance

Section 1: Definition of Microfinance

Section 2. Theoretical Traceability

Section 3 The Generation and Development of Financial Capital

Section 4 The Classical Theory of Financial Capital

Section 5 Financial Capital and the Real Economy

Section 6 Microfinance: The Industrial Return of Financial Capital

Chapter 2 The Evolution of Chinese Folk Finance

Section 1 The Early Rise of the Money Changers, Bills of Exchange and Pawnbrokers as the Prototype of Private Finance

I. The Origins of the Money Changers and Their Special Status

II. The Prosperity and Decline of the Bills of Exchange

Section II: The Development and Evolution of Private Finance in the Modern Era

I. Rural Credit Unions

II. Rural Co-operative Funds

III.

Section III Sunshine of Private Finance

I. Regulation and Punishment of Usury

II. Sunshine of Microfinance

III. Sunshine of Private Placement

Appendix to this Chapter

Chapter III Providers of Microfinance to Financial Institutions: Small and Medium-sized Banks

Section I. Supply Structure of China's Microfinance and Improvement

I. Financing Needs of Micro and Small Finance

II. Financing Methods and Financial Costs of Micro and Small Finance

III. Realistic Financing Structure Design of Micro and Small Finance

Section II Small and Medium-sized Banks are the Main Providers of Micro and Small Finance

I. Micro and Small Finance in the Banking Sector

II. Small and Medium-sized Banks are More Distinctive in Micro and Small Finance

III. Policy Banks as Key Supporters of Microfinance

Chapter 4 Microfinance Companies in China: Non-Financial Service Providers of Microfinance

Section I. The Service Position of Financial Institutions in Microfinance China

Section II. Experiences of Microfinance Companies Around the Globe

I. From Poverty Alleviation to Commercialization: the Development of Microfinance

II. Bangladesh Village Bank

III. The model of the Rural Credit Department of the People's Bank of Indonesia

IV. The model of the Sunshine Bank of Bolivia

V. The model of the Village Bank of the International Community Funding Foundation

VI. Microfinance companies coming into their own in China

Section III. Confusion of commercial MFIs: external support and the Lack of Internal Governance

I. The Rapid Development of Microfinance Companies and Their Industry Bottlenecks

II. The Funding Gap Constrains the Business Expansion of Microfinance Companies

III. The Increasing Competition in the Industry

IV. Spontaneous Business Innovation and Governance Improvement of Microfinance Companies

Section IV: Business Innovation of Commercial Microfinance Companies

I. and financial segmentation of SLCs

II. Governance deficiencies and funding gaps of SLCs

III. Business model and financial planning of SLCs

Section V. Governance reorganization of commercial SLCs: selection of the Boston Matrix

I. Development status of SLCs and shareholders' characteristics

II. Basic concepts of the Boston Matrix and Industry Segmentation

III. Boston Matrix and Shareholder Reorganization of Small Loan Companies

Chapter 5 The Construction of China's Microfinance Industry Chain

Section 1: The Value of the Microfinance Industry Chain

I. The Policy Basis of Small and Medium-sized Enterprises (SMEs) in the Development of the Industry Chain

II. Industrial Bottlenecks in the Rapid Development of SMEs

III, Value Chain Analysis of SMEs in Economic Growth

Section II: Segmentation of Microfinance Companies in the Financial Market

Section III: Regulation of the Guarantee Industry and Industry Re-engineering

I. The Financial Crisis Accelerated the Growth of the Guarantee Industry

II. Economic Fluctuations Require Guarantee Institutions to Perform Intra-Business Risk Control

III. The rapid development of the guarantee industry has given rise to the consolidation of its industry

Fourth, the guarantee industry governance and consolidation of the comprehensive recommendations

Section IV Pawnshop industry model innovation

Section V The rise of Internet finance: another industrial revolution

One, financial institutions of the Internet innovation mode

Two, the industry chain of the Internet mode of innovation

Three, Renren loan and the Third-party Payment's Subversion of Traditional Financial Models

Section VI: Systemic Risk Prevention of Shadow Banking and Finance

I. The Development Status of Off-balance-sheet Business of China's Commercial Banks

II. Risks of Off-balance-sheet Business and Its Contradictory Manifestations

III. Principles of Risk Prevention of Commercial Banks' Off-balance-sheet Business

IV. Specific Measures

Section VII: Small and Microfinance Needs the Support of Policies and Peripheral Systems

I. Enhancing the Guiding Role of Fiscal Funds for Debt Capital

II. Optimizing the Financing Model for Small and Medium-sized Enterprises with Agricultural-Related Loans

III. Providing All-round Support for Eligible Small Loan Companies

IV. Supporting Talents and Providing Training for the Industry

V. Gradually improve the accounting system for small enterprises

Conclusion of this chapter

References

Afterword

Source of information National Training Organization