What is network finance?

Question 1: What is the so-called network finance, also called e-finance? In a narrow sense, it refers to the financial business carried out on the Internet, including online banking, online securities, online insurance and other financial services and related content; Network finance in a broad sense is the general name of all financial activities in the world supported by network technology, including not only narrow content, but also network financial security, network financial supervision and many other aspects. It is different from traditional financial activities in physical form, and it is a financial activity in electronic space. Its existence form is virtualized and its operation mode is networked. It is the product of the rapid development of information technology, especially internet technology, and it is a financial operation mode that meets the needs of e-commerce development in the network era.

Concentration of industrial location, economies of scale and external economy are the main foundations and driving forces. It reduces the transportation cost of related industries before and after, thus reducing the transportation cost; Improve the utilization rate of public facilities and reduce the corresponding costs; Facilitate the exchange of scientific and technological achievements and information, and improve product quality and scientific and technological level. Regional concentration, high-rise buildings can obviously achieve concentration, which is one of the reasons why urban high-rise buildings are getting higher and higher. "Agglomeration factor" is a factor that needs to be considered in scientific industrial layout.

Question 2: What is Internet finance? I will tell you what internet finance is from the perspective of professional soft routing. Internet finance is a new field that combines traditional financial industry with Internet spirit. The difference between Internet finance and traditional finance lies not only in the different media used in financial business, but also in the fact that financial participants know the essence of "openness, equality, cooperation and sharing" of the Internet. Through the Internet, mobile Internet and other tools, traditional financial services have a series of characteristics, such as greater transparency, higher participation, better collaboration, lower intermediate costs, more convenient operation and so on.

Question 3: What is Internet finance? Internet finance is a new field that combines traditional financial industry with Internet spirit. The difference between Internet finance and traditional finance lies not only in the different media used in financial business, but also in the fact that financial participants know the essence of "openness, equality, cooperation and sharing" of the Internet. Through the Internet, mobile Internet and other tools, traditional financial services have a series of characteristics, such as greater transparency, higher participation, better collaboration, lower intermediate costs, more convenient operation and so on. [1] Theoretically, any Internet application involving generalized finance should be Internet finance, including but not limited to payment for third parties, sales of online wealth management products, credit evaluation and auditing, financial intermediary, financial e-commerce and other modes.

Internet finance is not a simple combination of the Internet and the financial industry, but a new model and new business that naturally comes into being to meet the new demand after being familiar with and accepted by users at the level of network technology such as security and mobile (especially the acceptance of e-commerce). The development of Internet finance has gone through many stages, such as online banking, third-party payment, personal loans and corporate financing. Moreover, it is getting deeper and deeper into the core of traditional financial business in terms of financing funds and matching between the supply and demand sides of funds.

Question 4: What is Internet finance? Internet finance refers to relying on payment, cloud computing, social networks and search engines.

Internet tool is a new type of finance, which is used to realize financing, payment and information intermediary. Internet finance is not a simple combination of the Internet and the financial industry, but is used to achieve the level of network technology such as security and mobility.

After users are familiar with the acceptance (especially the acceptance of e-commerce), they will naturally produce new models and new services to meet new demands. It is an emerging field that combines the traditional financial industry with the spirit of the Internet. Internet finance and communication

The difference of unified finance lies not only in the different media used in financial business, but also in the fact that financial participants are well aware of the essence of "openness, equality, cooperation and sharing" of the Internet. Through the Internet, mobile Internet and other tools, traditional financial services have a series of characteristics, such as greater transparency, higher participation, better collaboration, lower intermediate costs, more convenient operation and so on. [1] Theoretically, any Internet application involving generalized finance should be Internet finance, including but not limited to payment for third parties, sales of online wealth management products, credit evaluation and auditing, financial intermediary, financial e-commerce and other modes. The development of Internet finance has gone through many stages, such as online banking, third-party payment, personal loans and corporate financing. Moreover, it is getting deeper and deeper into the core of traditional financial business in terms of financing funds and matching between the supply and demand sides of funds.

Question 5: What is mobile internet finance? Mobile internet finance is a new field that combines traditional financial industry with mobile internet.

Traditionally, money flows, increases in value and transfers through bank deposits, transfers, loans and purchases.

Mobile Internet finance is different from traditional financial services. Mobile devices such as smart phones, tablet computers and wireless POS machines make traditional financial services more transparent, more participatory, more collaborative, lower in intermediate costs and more convenient to operate. Theoretically, any Internet application involving generalized finance should be Internet finance, including but not limited to payment for the third party, sales of online wealth management products, credit evaluation and audit, financial intermediary, financial e-commerce and other modes.

Question 6: What does Internet finance mean, and what modes do it include? Internet finance is a new financial model that uses a series of modern information technologies such as Internet technology and mobile communication technology to realize financing. In this mode, the degree of market information asymmetry is very low, and the supply and demand sides of funds can directly connect through the network, which greatly reduces the transaction cost.

For the emergence of such a new concept, most people are so excited and ecstatic that anything with some appearance of internet and finance is called internet finance. There are many discussions about internet finance, but few people stand up and classify it systematically. Although Xie Ping, deputy general manager of China Investment Corporation, made a detailed analysis of the definition, payment methods, information processing and resource allocation of Internet finance in the Research on Internet Finance Mode written in August 20 12, only the mobile banking and p2p financing modes were mainly analyzed. Recently, some people in the industry have put crowdfunding, bitcoin, and Yu' ebao. As a separate mode of internet finance, it has different classification descriptions. However, with the continuous innovation in the field of Internet finance and the deepening of social understanding of Internet finance, it is still difficult for some social definitions and patterns to fully cover the current development of Internet finance.

In order to clarify the mode of Internet finance, the Internet Finance Laboratory of Soft Exchange has conducted in-depth analysis of Internet finance-related information and made a serious study of innovative products and phenomena of Internet finance through continuous investigation and interviews with enterprises in the field of Internet finance since 20 12. Finally, the system sorts out six Internet finance modes, including third-party payment, p2p online lending, big data finance, crowdfunding, information-based financial institutions and Internet finance portals, which were first put forward by Luo Mingxiong at the "Tsinghua Financial Week Internet Finance Forum" held on April 26th, 2065438.

Based on the recent hot phenomenon of Internet finance, in order to better communicate with the industry and discuss the research results of the Internet Finance Laboratory of the Soft Exchange, the phenomena with certain business models based on Internet finance are divided into six modes, which are briefly analyzed one by one, in order to provide dinner for everyone.

1, third-party payment

In a narrow sense, third-party payment refers to an electronic payment mode in which a non-bank institution with certain strength and credit guarantee establishes a connection between users and bank payment and settlement systems by signing contracts with major banks with the help of communication, computer and information security technologies.

According to the definition of non-financial institutions' payment services given by the central bank in 20 10 Measures for the Administration of Payment Services of Non-financial Institutions, broadly speaking, third-party payment refers to online payment, prepaid card, bank card receipt and other payment services provided by non-financial institutions as payment intermediaries of both parties. The third payment is not limited to the initial Internet payment, but has become a comprehensive payment tool with comprehensive online and offline coverage and richer application scenarios.

From the perspective of development path and user accumulation path, the current operating modes of third-party payment companies in the market can be divided into two categories:

One is the independent third-party payment mode, that is, the third-party payment is completely independent of the e-commerce website, does not undertake the guarantee function, and only provides users with payment products and payment system solutions, with Kuaiqian, yeepay, Remittance World and Lacarra as typical representatives. Take yeepay as an example. At first, it was based on the gateway model and made vertical payment for the industry. Then, taking the information transformation of traditional industries as an opportunity, with its deep understanding of specific industries, the overall electronic payment solution is tailored.

The other is the third-party payment mode, headed by Alipay and Tenpay, which relies on its own b2c and c2c e-commerce websites to provide guarantee functions. The payment is temporarily hosted by the platform, and the platform informs the seller that the payment is received and delivered; In this payment mode, after purchasing goods on the e-commerce website, the buyer uses the account provided by the third-party platform to pay for the goods. After the buyer confirms the inspection, he can inform the platform to pay the seller. At this time, the third-party payment platform will transfer money to the seller's account.

Third-party payment companies mainly include transaction fees, credit interest of industry users' funds, service fee income, interest on deposited funds and other income sources.

Comparatively speaking, independent third-party payment is based on B (enterprise), while the third-party payment platform of guarantee mode is based on C (individual consumer). The former indirectly covers the customer's user base by serving enterprise customers, while the latter penetrates into the industry by virtue of the advantages of user resources.

The rise of third-party payment will inevitably bring the settlement interest rate and the corresponding field of electronic money/virtual money to banks. & gt

Question 7: What does online finance mean? Network finance is the combination of network technology and finance. In a narrow sense, network finance refers to a new financial operation mode based on the host of financial service providers, with the Internet or communication network as the medium, through a software platform embedded with financial data and business processes, and with user terminals as the operation interface; The broad concept of network finance also includes network financial institutions, network financial markets, and related and regulatory external environments that match their operation modes. Including: electronic money, online banking, online payment, online securities and online insurance.

Question 8: What is Internet finance? What is the difference between internet finance and financial internet? Thank you for inviting me! Please ask Daniel to pat the brick!

Direct financing, to put it bluntly, means that people who are short of money borrow money directly from rich people. Stock is the most typical direct financing method. When you buy stocks, you lend money to an enterprise, and then he pays you dividends every year. So do bonds. He pays you interest every year when you buy corporate bonds. Indirect financing means that rich people or enterprises do not lend money directly to people who are short of money, but through intermediaries. Who is the intermediary? The most typical is the bank. We deposit a large amount of money in banks, which arrange funds in a unified way and distribute them to people or enterprises that are short of money. We get the interest from the bank when we save money, and the interest from the bank to the enterprise when we borrow money. The difference between the two is the profit of the bank. The circulation of credit currency has two characteristics: one is the separation of ownership and use right, and the other is that this separation process is remunerative, which is generally reflected in interest or dividend. )

The internet is just a re-understanding of the underlying structure of human beings. Therefore, the most basic financial transactions may also be put on the Internet, just because everyone's operating habits now allow this to happen. (Let's talk about Yu 'ebao first. It is only the docking with the monetary fund that makes the transaction itself more convenient. Strictly speaking, it is not financial innovation. )

Professor Xie Ping, who first put forward the concept of Internet finance in China, once put forward the third financing mode, which is different from direct financing and indirect financing, namely "Internet finance mode", which may represent the understanding of most people on this mode. His definition is: convenient payment, extremely low market information asymmetry, direct transactions between the supply and demand sides of funds, and ineffective financial intermediaries such as banks, brokers and exchanges can achieve the same resource allocation efficiency as direct and indirect financing, and greatly reduce transaction costs while promoting economic growth. He regards internet finance as the third way of financing, and of course, you can also regard any act of realizing such financing through internet technology as internet finance. Including the behavior of traditional financial institutions using the Internet to improve efficiency, can be defined as Internet finance.

I think the most important thing is to understand that the core meaning of internet finance is to achieve disintermediation, that is, financial disintermediation. I hope to use the Internet to make information more transparent, to make intermediaries lose the information advantages that they originally relied on information asymmetry, to make all kinds of social participants more flat, and to some extent to reduce the professional advantages of financial intermediaries brought about by specialized division of labor, so that the functions of a large number of financial institutions continue to differentiate or even disappear.

Internet finance or financial internet? There is a view in the industry that Internet companies are involved in the financial field, which is Internet finance. If financial enterprises use internet means, it is not internet finance, but financial internet. I don't think it is advisable to separate them in this way. Using financial thinking to do the internet or using internet thinking to do finance is nothing more than arguing about who serves whom.

The Internet finance I agree with is not only to sell the original offline financial products online, but to do what the traditional financial industry does with the "spirit" of the Internet. What is the traditional Internet spirit? It is openness, equality, cooperation, sharing, decentralization and customer experience first! ! In the short term, the core of China's Internet finance industry is financial attributes, and the Internet is just a tool, which generally abides by financial rules. You see, p2p, which has the most internet financial attributes abroad, has been made into a financial internet model in China because it has no effective risk control. P2P companies directly get involved in the transaction and become a party to the transaction, which makes Internet finance, which should be financial disintermediation, become or fail to disintermediate. The model that needs its own credit attachment has essentially become a guarantee company, a part of P2P, and even a bank. By building a pool of funds, it became an unlicensed bank. This deformation is actually very typical. Their essence is actually financial institutions. I won't give examples here.

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Question 9: What is Internet finance? With the rise of internet plus, Internet finance is also booming. Internet finance (ITFIN) refers to relying on payment, cloud computing and social networks.

Internet tools, such as Internet, search engine, app, etc., to achieve financial intermediation, payment and information intermediary business. Internet finance is not a simple combination of Internet and financial industry, but the realization of security and mobility.

At the level of dynamic network technology, after being familiar with and accepted by users (especially the acceptance of e-commerce), new models and new services will naturally emerge to meet new demands. It is a combination of traditional financial industry and Internet spirit.

Emerging fields. Then came P2P financial management. The so-called P2P financial management refers to the borrowing between individuals, and P2P financial management refers to the company as an intermediary to connect borrowers and borrowers to realize their respective borrowing needs. Borrowers can be unsecured loans or secured loans, and intermediaries generally charge fees from both parties or unilaterally for profit or earn a certain spread. Totobo has been operating in this mode.

Question 10: Briefly describe what Internet finance is. After the traditional enterprises become bigger and stronger, the upstream and downstream enterprises have accumulated enough customers. After there is a capital demand, the bank can't solve it temporarily, and then do it by itself. For example, Kuxiu Finance is engaged in the industrial chain of tourism, such as real estate and automobile chain.