Technical attributes It refers to the application and combination of technologies such as mobile communications, big data applications, social networks, search engines, cloud computing, blockchain, and artificial intelligence.
Internet products need to tap into the essence of the user's demands, which is also known as the design of product features when the thinking framework, and the essence of finance can be summarized in two sentences, six words.
? Credit is the lifeline of finance, credit is the basis of leverage, once there is credit there is overdraft, overdraft there is leverage, there is leverage, there is leverage, risk will arise. The essence of finance is to grasp the "degree" of the three, to design a credit reliable, less risky, not easy to bad debt leverage ratio.
? Credit The financial institution itself must be creditworthy, and the enterprise or individual who finances the financial institution must also be creditworthy.
? Leverage? Bank deposit and loan ratio, futures trading, stock market financing and securities, etc., are a kind of leverage ratio, the essence of all financial innovation is to amplify the leverage ratio.
? Risk The higher the leverage, the higher the risk, and even lead to financial crisis, and prevent financial risk, financial crisis to solve the "deleveraging", the risk classification is as follows:
With the continuous popularization of mobile terminals, Internet technology, Alipay, WeChat Pay, UnionPay, led by the electronic payment channels continue to deepen into the daily life of each user, and gradually become the most popular. The electronic payment channels, led by Alipay, WeChat Pay and UnionPay, have been penetrating into every user's daily life and gradually become an inaccessible part.
Three-party payment refers to the network payment, prepaid card, bank card acquiring and other payment services determined by the People's Bank of China provided by non-financial institutions as the payment intermediary of the recipient and payer.
The electronic mode of traditional financial services mainly includes forms of online banking, mobile banking, mobile payment and network securities;
The innovative financial service mode based on the Internet includes forms of direct banking, smart banking and other innovative service products of banks, brokerages and insurance;
The financial e-commerce mode is based on the "Good Finance Business" e-commerce financial service model of China Construction Bank (CCB). The financial e-commerce model is the e-commerce platform of various traditional financial institutions represented by CCB's e-commerce financial service platform, Taikang Life Insurance e-commerce platform.
Internet financial portal refers to the use of the Internet to provide financial products, financial services information aggregation, search, comparison and financial product sales and financial product sales to provide third-party services platform. Internet financial portals can be divided into three categories: third-party information platforms, vertical search platforms, and online financial supermarkets.
The third-party information platform is to provide a full range of authoritative industry data and industry information portals, typically represented by the net credit home, and news network.
Vertical search platforms are vertical search portals that focus on financial products, where consumers can quickly search for relevant financial product information. Typical representatives are Rong360, AnLoaner, and so on.
The business form of financial supermarkets is online shopping guide, providing direct purchase matching. Therefore, this type of portal gathers a large number of financial products, utilizes the Internet for financial product sales, and provides third-party services related to it. Typical representatives of the big boy network, on the grid financial management, 91 financial supermarket and soft exchange technology financial supermarket.
Crowdfunding can be categorized as mass funding or crowd funding, which refers to the mode of raising project funds from netizens in the form of group pre-purchase. Compared with traditional financing methods, the essence of crowdfunding lies in small and large amounts.
? Individual to individual network lending, with the help of the Internet, mobile Internet technology network credit platform and related financial management behavior, financial services.
Big data finance refers to the collective term of relying on massive, unstructured data, specialized mining and analysis of its data through the Internet, cloud computing and other information technology, and combining it with traditional financial services to innovatively carry out related capital financing work.
The "Golden Ticket" platform, for example, realizes the "financial disintermediation" in the field of bills by directly connecting enterprises in need of financing with investors through the release of bill financial products