What is the difference between digital finance and internet finance?

The main core of Internet finance is to use Internet technology to open corresponding financial services to users. The main core of digital finance lies in the analysis and audit of data and figures.

However, their goals are the same, and they both hope to improve the quality of user service and reduce the operating costs of traditional financial institutions and Internet companies through the development of technology.

1. Digital Finance

⑴ Digital finance is a new generation of financial services that combines traditional financial services through the Internet and information technology. According to the industrial structure classification of Analysys think tank, digital finance includes Internet payment, mobile payment, online banking, financial service outsourcing and online loans, online insurance, online funds and other financial services.

With the rapid development of e-commerce market, online payment service is gradually becoming a necessity for enterprises and consumers; The continuous informationization and networking of financial products are also greatly improving the cash flow efficiency of the financial industry. Digital finance came into being. This new composite industry, which combines traditional industries with information technology, has developed rapidly since 20 10. It is estimated that by 20 13, the scale of digital finance industry will exceed 10 trillion RMB.

2. Internet finance

(1) Internet finance major is an undergraduate major in ordinary universities and belongs to finance major. This major is a combination of traditional financial industry and Internet spirit, and it trains interdisciplinary, compound and high-end Internet finance talents. Internet finance is the perfect combination of information technology, internet thinking, finance and enterprise management, and the deep integration of finance and technology.

⑵ Internet finance (ITFIN) refers to a new financial business model in which traditional financial institutions and Internet enterprises use Internet technology and information communication technology to realize financing, payment, investment and information intermediary services.

⑶ The innovative theoretical basis of "Internet finance" is different from traditional finance. It uses the theory of "direct market matching" to directly trade, disintermediate and disintermediate the capital supply and demand sides, which reduces the financial transaction cost and information asymmetry and improves the efficiency of financial resource allocation. Xie Ping also used classic cases such as "Yu 'ebao, JD.COM Baitiao, public comment+food hygiene insurance, taxi software" to prove two characteristics of financial innovation: financial democratization, financial universality, information digitization, continuous improvement of computing power, development of network communication, and once-in-a-century subversive technology will lead to a breakthrough in financial theory.