What does Internet finance include?

What does Internet finance include? What are the specific categories?

The development of traditional financial internet has experienced online banking, third-party payment, personal loans and corporate financing. Including but not limited to payment for third parties, sales of online wealth management products, credit evaluation and audit, financial intermediary, financial e-commerce crowdfunding and other modes.

What are the main aspects of Internet finance?

Domestic Internet finance mainly includes six modules.

First, third-party payment, such as Alipay and WeChat payment that we are familiar with.

The second is big data finance, and its operation mode is divided into platform mode represented by Ali Microfinance and supply chain finance mode represented by JD.COM and Suning.

The third is p2p online lending, that is, peer-to-peer credit, such as Murong Bao and pterosaur loan.

4. Crowdfunding refers to the mode of raising project funds from netizens in the form of group purchase and pre-purchase, such as some micro-public welfare raising platforms and dream realization platforms.

Five, information-based financial institutions, transform or reconstruct traditional financial institutions, such as self-service banking, telephone banking, mobile banking, online banking, etc.

6. Internet financial portal refers to a platform that uses the Internet to sell financial products and provide third-party services, such as online loan home and online financial management.

What does Internet finance include? What are the specific categories?

Internet finance includes three basic forms of enterprise organization: online small loan companies, third-party payment companies and financial intermediary companies. Electronic banking, online banking and mobile banking, which are widely promoted by commercial banks at present, also belong to this category. Internet finance is divided into six modes: online lending, crowdfunding (* * *), third-party payment, big data finance, virtual currency and baby corps. Mainly these six big pieces.

What does Internet finance mainly include?

The main modes are as follows:

crowdfunding

Zhongchouda

That is, public fund-raising or public fund-raising refers to the mode of raising project funds from netizens in the form of group purchase and pre-purchase. The original intention of crowdfunding is to use the characteristics of the Internet and SNS to make startups, artists or individuals face the public.

Show your creativity and projects, win everyone's attention and support, and then get the financial assistance you need. The operation mode of crowdfunding platform is similar-individuals or teams who need funds hand over project planning to crowdfunding platform.

After the relevant approval, you can set up your own page on the website of the platform to introduce the project to the public. [3]

Peer to peer loan

P2P[4] (Peer-

To-Peerlending), that is, peer-to-peer credit. Peer-to-peer online lending refers to the matchmaking between borrowers and lenders through a third-party Internet platform, and those who need to borrow money can find it through the website platform.

People who are able to lend and willing to lend under certain conditions can help lenders spread their risks by sharing loan quotas with other lenders, and also help borrowers choose attractive returns from fully compared information.

Interest rate conditions such as loans and loans.

There are two modes of operation. The first mode is pure online mode, which is characterized in that all fund lending activities are conducted online, without combining offline audit. Usually, these enterprises take measures to examine the qualifications of borrowers, such as video authentication, checking bank bills and identity authentication. The second mode is the combination of online and offline. After the borrower submits the loan application online, the platform will review the borrower's credit and repayment ability through the local agency and household survey.

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 payment services of non-financial institutions 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 determined by the People's Bank of China provided by non-financial institutions as the payment intermediary of the payee and payer. Third-party payment is not limited to the original internet branch.

Payment has become a comprehensive payment tool with comprehensive online and offline coverage and richer application scenarios.

digital currency

In addition to the booming third-party payment, P2P loan model, small loan model, crowdfunding financing, balance treasure model and other forms, Internet currency represented by Bitcoin has also begun to show its fangs [5].

Take digital currency such as Bitcoin as an example.

In a sense, the outbreak of Internet currency is more subversive than any other form of Internet finance. On August 20 13 19, Germany officially recognized the legal "currency" status of Bitcoin.

Bitcoin can be used for tax payment and other legal purposes, and Germany became the first country in the world to recognize Bitcoin. This means that Bitcoin has gradually "washed white", moving from a geek's plaything to the public's sight. Perhaps, it can urge

A real Internet finance empire was born.

Bitcoin has been hot and has fallen sharply. In any case, this internet gold rush feast, which seems to be far away from us, has slowly entered our sight, which makes people

Scientists have seen that the ultimate form of Internet finance is Internet currency. All internet finance only challenges the existing commercial banks and securities companies, and the future development of internet currency is a challenge to the central bank.

Fight. Perhaps Bitcoin will subvert the traditional financial growth, become the world's first currency, or eventually collapse. In any case, it is certain that Bitcoin will leave an eternal legacy to mankind. [5]

Big data finance

Big data finance refers to massive unstructured data. Real-time analysis can provide internet financial institutions with all-round customer information. By analyzing and mining customer's transaction and consumption information, we can master customer's consumption habits and accurately predict customer's behavior, so that financial institutions and financial service platforms can have clear goals in marketing and risk control.

The financial service platform based on big data mainly refers to the financial services carried out by e-commerce companies with massive data. The key to big data is the ability to quickly obtain useful information from a large amount of data, or the ability to quickly realize the use of big data assets. Therefore, the information processing of big data is often based on cloud computing.

financial institution

The so-called information-based financial institutions, > >

What are the branches of Internet finance?

Internet finance has several branches: Internet credit, Internet financing, Internet insurance, Internet venture capital/crowdfunding.

What does Internet finance mean? What is Internet finance?

At present, there are many discussions about internet finance and financial internet in the industry: it is basically believed that internet finance is a financial service born out of the Internet, while financial internet only sells financial products on the Internet. Its essence is still a financial product, and the Internet is just a means.

If someone invites you to invest in internet financial products, it is a bluff.

What is the meaning of Internet finance, including what modes?

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

What does internet finance mean?

Internet finance is divided into six modes: online lending, crowdfunding, third-party payment, big data finance, virtual currency (bitcoin) and baby corps (like Yu 'ebao products). JR 123 website is a collection of the best financial websites and resources, including online lending, crowdfunding, third-party payment, bitcoin, baby corps and other internet financial websites.

What are the forms of Internet finance?

There are five main forms of Internet finance: Internet payment, P2P peer-to-peer lending, non-P2P micro-loans, crowdfunding financing, innovative Internet platforms of financial institutions, and Internet-based fund sales.

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 their 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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