What is the net letter Pratt & Whitney?

First, what is the network letter Pratt & Whitney?

Pratt & Whitney literally means Pratt & Whitney. To talk about Internet inclusive finance, we must first understand the general situation of traditional finance.

The essence of finance is to realize the allocation of value in time and space, and the core is to solve the problem of information asymmetry. Simply put, if a person borrows money from you, but you don't know this person, or you don't know him at all, you won't lend him money, because you don't know his situation, credit and whether he can repay the money. This leads to information asymmetry. Due to the existence of information asymmetry, this kind of financial transaction (borrowing money) cannot be generated, or it can only be generated among acquaintances in a limited way.

Later, financial institutions (mainly banks) appeared, whose main function was to solve information asymmetry (and of course reduce transaction costs). ), because institutions have professionals and professional knowledge to generate and obtain borrowers' information, thus reducing the problem of information asymmetry, institutions use their own credit to provide credit guarantees for lenders, thus facilitating financial transactions.

China's banking system developed late, and many technologies are still immature, because traditional bank loans are mainly based on whether there is collateral or not, with real estate as the core, because real estate has the characteristics of great value, easy evaluation and easy control (immovability). Taking real estate as collateral is actually a means of risk mitigation, that is, alleviating the borrower's credit risk through collateral can reduce the standard and difficulty of borrower's credit evaluation. More than 90% of bank loans are mortgage or guarantee loans. However, in reality, most small and micro enterprises, farmers or urban low-income people do not have real estate, so a large number of such users are blocked from the threshold of banks and cannot obtain bank financing.

Of course, banks don't give loans to such users because the development of China's credit system is lagging behind, and a large number of people lack credit data (there is no credit record in the central bank's credit information system), so banks can't effectively evaluate their credit. At the same time, due to the small amount, the traditional loan mode of banks is mainly manual audit, which requires a single loan amount to be large enough to cover its operating costs and cannot meet the needs of such small high-frequency loans.

Through the application of big data, cloud computing, artificial intelligence and other technologies, the Internet is data-driven and uses the system to approve loans or replace some manual links, which not only expands the information boundary of credit evaluation (e-commerce data, transaction data and communication data can all be included in credit evaluation), but also solves the problem of insufficient information; The cost of a single loan can also be greatly reduced, and the loan financing has changed from the previous amount scale effect (single large amount) to the quantity scale effect (multiple small amounts), which makes the boundaries of financial service groups extend downward.

Therefore, Internet inclusive finance can be simply understood as making financial services more accessible to people (small and micro enterprises, low-and middle-income people, farmers) through new Internet technologies.

It should be noted that Internet finance has not changed the essence of financial logic, and technology is not omnipotent. However, technology has replaced the inefficient part of traditional finance, greatly improved the cost efficiency of finance and improved the user experience, thus promoting the development and reform of the financial industry.

Second, what is EQO?

[Edit this paragraph ]EQO is a free and easy-to-use mobile phone software developed in Canada. As long as you pass GPRS, you can use many powerful free services of this software: 1. Free voice call. As long as your friends also have EQO installed, you can chat with your friends comfortably without paying any telephone charges and long-distance telephone charges (calls between domestic EQO users are completely free, but calls between domestic EQO users and foreign EQO users are free. 2. Free SMS As long as your friend also has EQO installed, you can send SMS to your friend without spending any phone bill. 3. Instant messaging for mobile phones (IM for mobile phones) As long as EQO is installed, common IM tools such as QQ, MSN and Yahoo can be used at the same time, which saves the trouble of installing different IM tools separately. EQO is a free software, which is free to download and install. In addition, it can also talk to other EQO users, send short messages and instant messages for free. Through this software (the call between domestic EQO users is completely free, but the call between domestic EQO users and foreign EQO users will be charged a very low fee, please look up the rate from the rate calculator). EQO users need to pay for calling landlines or mobile phones to non-EQO users. Eqo is a mobile instant messaging (IM) integrated software. The types of mobile phones supported by EQO are: BlackBerry, Motorola, LG, Samsung, Nokia, Sanyo, Siemens, Sony Ericsson, Palm, WindowsMobile, etc. And it supports almost all java mobile phones. You can also enjoy cheap call and SMS service through EQO, and you can also make free calls between EQO users.

Third, is it true that Wangxin Pratt & Whitney pays back the money?

Hello, Netcom Pratt & Whitney is a financial service that can help you get your money back faster. Net letter Pratt & Whitney pays back the money mainly through Alipay, WeChat, bank card and other payment methods, and pays the amount you owe through Alipay, WeChat, bank card and other payment methods, so that the money recovered is as low as 200 words and as high as 500 words. You can do it according to your own needs.

4. What does it mean to build an ubiquitous advanced information infrastructure system?

It is a 10 task, such as establishing a unified and open big data system, building an innovative information economy system, supporting the construction of a good and efficient national governance system, forming an inclusive and convenient information benefit system, building a deep integration development system of network information and military, expanding the global development service system of network information enterprises, improving the cyberspace governance system, and improving the network security guarantee system.