What does Internet finance do?

What exactly does Internet finance do?

Internet finance refers to the matching of borrowers and lenders through third-party Internet platforms. People who need to borrow can find people who have the ability to borrow and are willing to borrow under certain conditions through the website platform. By sharing a loan amount with other lenders, they can help lenders spread risks, and can also help borrowers choose attractive interest rate conditions from fully compared information, such as public easy loans.

What is Internet finance? What is its work content?

For Internet finance, different companies have different job responsibilities, which can be referred to as follows:

Understand the current loan models and risk control mechanisms of various Internet financial products;

Design data classification and processing methods for data generated in various enterprise applications;

According to the data generated in various enterprise applications, combined with the current development of internet finance, design enterprise indicators and loan models;

Design the landing of loan products on products, and give play to the commercial value of core financial business data of millions of customers.

What do Internet financial service companies mainly do?

Internet finance (IT FIN) refers to a new type of finance that relies on Internet tools such as payment, cloud computing, social networks and search engines to realize financial intermediary, payment and information intermediary services.

The current pattern of Internet finance consists of traditional financial institutions and non-financial institutions. Traditional financial institutions mainly include Internet innovation and e-commerce innovation of traditional financial services, while non-financial institutions mainly refer to e-commerce enterprises that use Internet technology for financial operations, peer-to-peer lending platforms in the mode of creating wealth loans, online investment platforms in the mode of crowdfunding, mobile phone financing apps for digging wealth, and third-party payment platforms.

I graduated last year with a master's degree in finance. If you want to know anything, you can continue to ask. I hope I can help you.

What are the occupations of Internet finance?

General Internet financial platform companies will set up the following functional departments:

I. Market Development Department

1, responsible for completing the company's annual objectives and tasks such as market sales, market expansion and cost control, and responsible for decomposing and implementing the target responsibility system to ensure that all work objectives can be achieved.

2. Investigate and analyze marketing policies, market and inter-industry marketing trends, timely adjust marketing strategies and plans, and formulate preventive and corrective measures to ensure the completion of marketing objectives and plans.

3. Be responsible for expanding and managing sales channels, coordinating and maintaining the relationship between business partners and customers, and establishing a strong sales system and customer relationship.

4. Guide the marketing personnel to solve the problems and difficulties encountered in the work, and assist the Human Resources Department to complete the employee performance appraisal.

5. Establish and manage the sales team, standardize the sales process and achieve the sales target;

6. Grasp the market dynamics, actively explore new customers in time, broaden business channels, and continuously expand the market share of the company's products;

7. Responsible for business negotiation and drafting business contracts and agreements.

Second, product research and development department (some separate operation departments)

1. Participate in the company's platform product decision-making, assist the CEO to formulate product development strategy and realize the enterprise product management objectives;

2. According to the company's long-term development plan and comprehensive market demand, develop and design loan products and business processes suitable for the platform, and formulate marketing strategies and marketing plans;

3. Be fully responsible for the construction of relevant systems, systems and processes of the company's financial and credit departments, provide corresponding professional solutions for CEO's decision-making, and organize their implementation;

4. According to the company's product requirements, be responsible for the demand analysis, overall design and detailed planning of platform software modules, formulate operation strategies and schemes and organize their implementation;

5. Statistically analyze all kinds of data of the platform, propose improvement schemes, and maintain, promote and upgrade the platform;

6. Comprehensively analyze and improve the user experience and business processes, participate in the brand, product and market planning of the platform, and realize the established goals and tasks of the company;

7. Plan the style, structure, function, construction, training and daily work of the platform;

8. Formulate the medium and long-term operation objectives and plans of the platform;

9. Pay attention to the industry market and inter-bank operation strategy;

Four. Risk control department

1. Establish a risk control system, formulate risk management processes and risk management systems, and design work guidelines and operation processes for risk management positions;

2. Review the substantive risks of various loan projects, communicate with business team managers, fully understand the project risks, monitor the analysis of various business risks and the formulation of preventive measures, and establish enterprise risk databases and tracking files;

3. Be responsible for the risk assessment of the company's projects and implement relevant risk assessment procedures;

4. Write a risk assessment report, provide risk tips for possible risk points in business operation, issue risk control suggestions and risk levels, analyze the source and impact of risks, and provide solutions;

5. Responsible for organizing loan review meetings, organizing pre-loan risk review, risk control during loan and post-loan follow-up management of corporate loans, issuing risk tips and risk assessment reports, and keeping project risks to a minimum;

6. Review the company's internal risk control system and related documents on a regular basis after the project is put into operation, and modify and improve it at any time as needed.

Verb (abbreviation of verb) collection (asset preservation department)

1, according to the collection task assigned by the superior, and according to the monthly work target, complete the telephone collection target;

2. According to the overdue situation, formulate collection strategies and targets and implement them;

3. Collect overdue customers within the task, guide customers to repay correctly, and report abnormal high-risk customers in time;

4. According to the early/middle/late collection strategy, collect overdue customers by phone and SMS;

5. Professional management of overdue accounts, corresponding business processing according to the actual requirements of customers, and timely feedback of problems;

6. Systematically analyze overdue customer groups, and seek the * * * nature of regions, loan types and industries. And put forward the coping strategies;

7. Record the collection results truthfully, maintain the collection and arrangement of collection materials, and manage the post-loan work.

Intransitive verb justice department

1. Implement contract management measures and procedures, be responsible for the management and guidance of legal review of major company projects and company-level contract texts, and put forward improvement suggestions in the process of contract management;

2. Formulate legal policies and provide consultation for the company's legal affairs, provide legal services for business decisions and issue legal opinions. ......

What is Internet finance?

Xiaocao, let me tell you something about internet finance from the perspective of professional soft routing. Internet finance is a new field that combines traditional financial industry with Internet spirit. The difference between Internet finance and traditional finance lies not only in the different media used in financial business, but also in the fact that financial participants know the essence of "openness, equality, cooperation and sharing" of the Internet. Through the Internet, mobile Internet and other tools, traditional financial services have a series of characteristics, such as greater transparency, higher participation, better collaboration, lower intermediate costs, more convenient operation and so on.

What is bank internet finance?

Bank Internet finance is mainly aimed at Internet innovation and e-commerce innovation of traditional financial services, such as APP software. Bank Internet Finance has built a three-dimensional service system of electronic banking consisting of self-service banking, telephone banking, mobile banking and online banking. It is the only bank in the industry with a large-scale informatization-data centralization project. In addition to innovative financial services based on the Internet, it has also become a drag on "portals", "online banking, financial product supermarkets and e-commerce".

What is an Internet finance company?

Internet banking launched by four major commercial banks, mobile payment launched by Tencent with WeChat and PICC P&C insurance, Yu 'ebao developed by Taobao and Tian Hong Fund, and a number of third-party payment platforms such as Yifubao, Baifubao and Kuaiqian. This is all internet finance.

What do bankers do in Internet finance in the Internet age?

Now the development prospect is very good. When it comes to industry prospects, we should look at the following aspects:

First, the industry development trend. That is, how long can you run? On the day before the 16th National Congress of the Communist Party of China closed, some opinions on the trend of chain industry were put forward. In 2050, it will move towards a normal track and be known to the public. Up to now (2008), there are still 42 years. As for how long it can last after it is transferred to the normal track, it is unknown and can only be inferred according to the operating speed of the United States. Chain sales originated in the United States (1859) and was founded by two Jewish students from Harvard University. At that time, tea was sold, but it was invisible./kloc-It took 0/9 years to see clearly. With the development of science and technology, the United States has now moved towards computer chain, that is to say, there are websites in the air and transport troops on the ground to promote what consumers need online. Delivered by transport troops, it is this doubling speed that has been running in the United States for 145 years, and only 60% of the total population has been running. The United States has a total population of 380 million, and China is a populous country. It is estimated that the total population is more than1500 million, so we need1500 million to reach 60% of the total population, and it will take 423 years to run. Someone hasn't been born yet./When is Kloc-0/8 birthday? How long do you think it will last?

Second, the state's attitude towards the industry. How to support, actively compress, advocate horizontally, and vigorously support an industry, because the ultimate goal of introducing chain sales is to face the influx of foreign high-tech products into China after China's opening up in 2005, and the products of China enterprises can't compete with foreign high-tech products, so they can only make a breakthrough in marketing methods, prompting the public to consume domestic products and foreign goods, and promoting the development of low-tech industries in China.

What does joining the WTO symbolize? In other words, global economic integration, financial information integration and China's accession to the WTO must be restricted by two conditions: 1, and all levels must not interfere with the impact of foreign goods; 2. Zero tariff reduction and exemption. Since there are conditions, if we engage in chain sales and export commodities with great fanfare, China's qualification to join the WTO will be cancelled immediately (for example, the Asian financial turmoil in 1998, sanctions against South Korea. ), that's why I came to an open path, which was promoted by the side.

Third, how to operate after entering the industry and whether the industry has good management. No matter how good an industry is, if the operators are not correct and indulge themselves too much, I think this industry will eventually make a leap. No matter how good an industry is, it is the same without a good management. Many people are engaged in this industry because they value its management. Here, they run their own businesses and have their own bosses. No one cares who, it is self-discipline. If you want to earn this money and change your destiny, you must restrain yourself. If everyone does this, do you still have to worry about the future of the industry? I'm sure you smart people will seize this opportunity.

What should the marketing department in Internet finance do?

The marketing department in Internet finance is the department or organization responsible for product marketing in enterprises, which is responsible for managing and discovering consumer demand, product positioning, leading product development, price strategy and competition, channel management, promotion, daily management of organizations and departments, marketing strategy planning and strategy implementation.

Generally speaking, the marketing center of an enterprise or organization exists relative to the manufacturing center and the R&D center. Marketing center, R&D center and manufacturing center constitute an iron triangle of an enterprise or organization. They both have division of labor and cooperate with each other: R&D is the cause, production is the result, and marketing runs through the whole process and is mutually causal.

To put it bluntly: the meaning of enterprise or organization survival is to serve stakeholders (such as shareholders, customers, employees, communities, etc.). ), but in essence, it is to find and meet the demand, and then obtain profits, which is also the essence of marketing. Marketing center is the core department to achieve this goal.

What does Internet finance do?

It is an institution that can conduct investment and financial management online. For example, Jinhui Finance, a financial technology-based wealth management company, is very good.