Learn some financial knowledge every day

Learn some financial knowledge every day: digital finance

1. What is digital finance?

Digital finance refers to a new generation of financial services combined with traditional financial services through the Internet and information technology. Simply put, it is to apply digital technologies such as big data and artificial intelligence to financial services.

It mainly includes internet payment, mobile payment, online banking, financial service outsourcing and online loans, online insurance, online funds and other financial services.

For example, Xiaoming opened a snack bar and wanted to borrow 654.38+10,000 yuan from the bank. If the traditional way for a bank to do this business is to conduct field visits, check the accounts and see the passenger flow, and he is worried that Xiaoming will not be able to repay the loan, then the bank will probably not give Xiaoming a loan because it is inefficient and insecure, but digital finance is simple and clear.

Xiaoming finds a financial service platform (such as Rizhao e-finance) and applies on this app, which may be lent to him within one day, because digital finance can instantly evaluate whether Xiaoming can pay back the money through digital technology, make a credit portrait of Xiaoming, statistically screen Xiaoming's education, family, work, work, income, social interaction and other data, and directly make decisions.

2. The biggest advantage of digital finance at present.

To support the development of inclusive finance, on the one hand, the Internet platform closely sticks to tens of millions or even hundreds of millions of mobile terminals by establishing some "scenes" such as Taobao and WeChat; On the other hand, credit evaluation is conducted by analyzing the big data of social media and online shopping platforms.

In this case, digital finance can reduce the cost of customer acquisition and risk control, and greatly improve the feasibility of inclusive finance's development.

The mechanism of digital finance affecting entrepreneurship includes the following three points: making up for the lack of traditional financial coverage in underdeveloped areas, promoting the entrepreneurship of small and micro enterprises with relatively small scale and promoting innovation.

The new form of digital finance has eased the pressure of farmers' entrepreneurial loans and improved the inclusiveness of rural finance.

For example, P2P peer-to-peer lending has effectively promoted the development of rural e-commerce entrepreneurship by easing the credit constraints of rural e-commerce entrepreneurs and providing a variety of wealth management products and personalized services. Digital finance is conducive to helping small and micro enterprises to obtain financing and help them cross the threshold of financial constraints, thus promoting entrepreneurship.

For example, Ant Financial provides small and micro loans for Taobao merchants based on big data risk control technology, which has a significant role in promoting the sales, transaction volume and commodity diversity of merchants.

As a financial infrastructure, digital finance provides a foundation for innovation, thus increasing entrepreneurial opportunities.

For example, the emergence of Alipay has greatly promoted the development of e-commerce and further promoted the online business of offline business.

3. Facing the new digital technology, how should individuals improve themselves and become digital talents in the new era?

(1) Improve your professional quality. Whether you can really become a professional in a field. A high degree of professionalism is a common problem faced by everyone.

(2) Turn what you have learned into your real application ability. How to turn what you have learned into your real application ability is also a big challenge.

(3) Break through the original information comfort zone with an open mind and find your own growth point for future development. Adhere to an open mind and mentality, break through the "information cocoon room" and find the growth point of your future development.