What are the classifications of Internet financial products?

Crowdfunding, 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 let startups, artists or individuals show their ideas and projects to the public, win everyone's attention and support, and then get the needed financial assistance.

The operation mode of crowdfunding platform is similar-individuals or teams who need funds hand over the project planning to crowdfunding platform, and after relevant review, they can set up their own pages on the platform's website to introduce the project to the public.

2.P2P online lending

P2P(Peer-to-Peerlending) is peer-to-peer credit.

Peer-to-peer online lending refers to the matchmaking between borrowers and lenders through a third-party Internet platform. People who need to borrow can find people who have the ability to lend and are willing to lend under certain conditions through the website platform, share a loan amount with other lenders to help lenders spread risks, and also help borrowers choose attractive interest rate conditions from fully compared information.

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.

3. 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.

Third-party 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.

4. digital currency

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

The outbreak of Internet currency represented by digital currency such as Bitcoin is, in a sense, more subversive than any other form of Internet finance. On August 19, 2065438, the German government officially recognized the legal "currency" status of Bitcoin, which can be used for legal purposes such as tax payment. 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 give birth to a real Internet financial empire.

Bitcoin has been hot and has fallen sharply. In any case, this seemingly far-away Internet gold rush feast has slowly come into our sight, and also let people see 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.

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 a collection of 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 customers' consumption habits and accurately predict customers' behaviors, so that financial institutions and financial service platforms can be targeted 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.

6, information-based financial institutions

The so-called information-based financial institutions refer to banks, securities, insurance and other financial institutions, which adopt information technology to transform or reconstruct traditional business processes and realize comprehensive electronic management. Financial informatization is one of the development trends of the financial industry, and information-based financial institutions are the product of financial innovation.

From the perspective of the whole financial industry, the informatization construction of banks has always been at the leading level in the industry. It not only has the international leading financial information technology platform, but also constructs an electronic banking three-dimensional service system consisting of self-service banking, telephone banking, mobile banking and online banking.

Moreover, the data concentration project, which is a great information project, is the only one in the industry. In addition to innovative financial services based on the Internet, innovative financial e-commerce service modes of "portal", "online banking, financial product supermarkets and e-commerce" have also been formed.

7. Financial portal

Internet financial portal (ITFIN) refers to a platform that uses the Internet to sell financial products and provide third-party services for financial product sales. Its core is the "search price comparison" mode, which uses the vertical price comparison method of financial products to put the products of various financial institutions on the platform, and users choose the appropriate financial products through comparison.

Internet financial portals are diversified and innovative, forming a third-party financial institution that provides high-end financial investment services and financial products, and an insurance portal that provides insurance product consultation, price comparison and purchase services. This model does not have much policy risk, because its platform is not responsible for the actual sales of financial products, nor does it bear any adverse risks, and the funds do not go through the intermediate platform at all.

Baidu encyclopedia-internet finance