Question 1: What are the types of Internet finance? Crowdfunding (*** investment network), P2P online lending, third-party payment, digital currency, big data finance, information-based financial institutions, financial portals

Question 2: What does Internet finance include? What are the specific categories? The Internetization of traditional finance has now developed through online banking, third-party payment, personal loans, and corporate financing. Including but not limited to third-party payment, online financial product sales, credit evaluation review, financial intermediary, financial e-commerce crowdfunding, wealth creation and other models.

Question 3: 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, mobile banking, etc. currently widely promoted by commercial banks also fall into this category. Internet finance consists of six major models: online lending, crowdfunding (*** investment network), third-party payment, big data finance, virtual currency, and Baby Army. Mainly these six parts.

Question 4: What does Internet finance mainly include? The main models are as follows:

Crowdfunding

Crowdfunding Da

means public financing Or crowd financing, which refers to the mode of raising project funds from netizens in the form of group purchases and pre-orders. The original intention of crowdfunding is to use the communication characteristics of the Internet and SNS to allow entrepreneurial companies, artists or individuals to display their creativity and projects to the public, to gain everyone's attention and support, and then obtain the financial assistance they need. . The operating model of crowdfunding platforms is similar - individuals or teams in need of funds hand over project planning to the crowdfunding platform.

After relevant review, they can create their own page on the platform's website, using to introduce the project to the public. [3]

P2P online lending

P2P[4] (Peer-

to-Peerlending), that is, peer-to-peer credit. P2P online lending refers to the matching of fund borrowers and lenders through a third-party Internet platform. People who need to borrow can use the website platform to find people who have the lending ability and are willing to lend based on certain conditions to help with the loan. People diversify risks by sharing a loan amount with other lenders, and it also helps borrowers choose attractive interest rate conditions from fully comparative information, such as loan to loan, etc.

There are two operating models. The first is a purely online model, which is characterized by the fact that all fund lending activities are conducted online without offline review. Usually, the measures taken by these companies to verify the borrower's qualifications include video authentication, checking bank statements, identity authentication, etc. The second is a model that combines online and offline. After the borrower submits a loan application online, the platform uses an agent in the city to conduct a household survey to review the borrower's credit standing, repayment ability, etc.

Third-party payment

Third-party payment (Third-Party Payment) in a narrow sense refers to a non-bank institution with certain strength and credibility guarantee. With the help of communication, computer and information security technology, it adopts By signing contracts with major banks, we establish an electronic payment model that connects users with bank payment and settlement systems.

According to the definition of non-financial institution payment services given by the central bank in the "Measures for the Administration of Payment Services of Non-Financial Institutions" in 2010, broadly speaking, third-party payment refers to

non-financial institutions. Online payment, prepaid cards, bank card acquiring and other payment services determined by the People's Bank of China provided by financial institutions as payment intermediaries for payees and payees. Third-party payment is no longer limited to the initial Internet payment, but has become a comprehensive payment tool with full 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, Yu'e Bao model and other forms, the Internet currency represented by Bitcoin He also began to show his fangs[5].

The explosion of Internet currency represented by digital currencies such as Bitcoin

is, in a sense, more subversive than any other form of Internet finance. On August 19, 2013, the German government officially recognized Bitcoin's legal "currency" status.

Bitcoin can be used for tax payment and other legal purposes. Germany also became the first country in the world to recognize Bitcoin. s country. This means that Bitcoin has begun to gradually "whitewash", from being a plaything of geeks to entering the public eye. Perhaps, it can give birth to a real Internet financial empire.

Bitcoin has been booming, but it has also plummeted. In any case, this Internet gold rush feast that once seemed far away from us has slowly come into our sight. It allows people to see that the ultimate form of Internet finance is Internet currency.

All Internet finance only poses a challenge to existing commercial banks and securities companies. The future development of Internet currency will be a challenge to the central bank.

Maybe Bitcoin will subvert traditional finance and grow into the first global currency, maybe it will eventually collapse. No matter what, it is certain that Bitcoin will leave an eternal legacy to mankind. [5]

Big data finance

Big data finance refers to *** massive amounts of unstructured data. Through real-time analysis, it can provide Internet financial institutions with comprehensive customer services. Information, by analyzing and mining customers' transaction and consumption information, we can grasp customers' consumption habits and accurately predict customer behavior, so that financial institutions and financial service platforms can be targeted in marketing and risk control.

Financial service platforms based on big data mainly refer to financial services provided by e-commerce companies with massive data. The key to big data is the ability to quickly obtain useful information from large amounts of data, or the ability to quickly monetize big data assets. Therefore, big data information processing is often based on cloud computing.

Financial institutions

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

Question 5: Take stock of which of the four major categories of Internet finance are No. 1 Category: Internetization of traditional financial services.

Category 2: Financial business based on the Internet platform.

The third category: Brand-new Internet financial model, mainly refers to P2P online loans and crowdfunding financing.

Category 4: Financially supported Internet.

Question 6: What are the development models of Internet finance?

Crowdfunding

Crowdfunding means public financing or crowd financing, which refers to the use of group purchasing to pre-order In the form of raising project funds from netizens. The original intention of crowdfunding is to use the characteristics of the Internet and SNS communication to allow entrepreneurial companies, artists or individuals to showcase their ideas and projects to the public, win everyone's attention and support, and then obtain the financial assistance they need. The operating model of crowdfunding platforms is similar - individuals or teams in need of funds hand over project planning to the crowdfunding platform. After relevant review, they can create their own page on the platform's website to introduce the project to the public. [4]

P2P online lending

P2P[5] (Peer-to-Peerlending), that is, peer-to-peer credit. P2P online lending refers to the matching of funds 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 based on certain conditions through the website platform, helping the lender to work with other lenders. Sharing a loan amount spreads risks and also helps borrowers choose attractive interest rate terms based on fully comparative information.

There are two operating models. The first is a purely online model, which is characterized by the fact that all fund lending activities are conducted online without offline review. Usually, the measures taken by these companies to verify the borrower's qualifications include video authentication, checking bank statements, identity authentication, etc. The second is a model that combines online and offline. After the borrower submits a loan application online, the platform uses an agent in the city to conduct a household survey to review the borrower's credit standing, repayment ability, etc.

Third-party payment

Third-party payment (Third-Party Payment) in a narrow sense refers to a non-bank institution with certain strength and credibility guarantee. With the help of communication, computer and information security technology, it adopts By signing contracts with major banks, we establish an electronic payment model that connects users with bank payment and settlement systems.

According to the definition of non-financial institution payment services given by the central bank in the "Measures for the Administration of Payment Services of Non-Financial Institutions" in 2010, broadly speaking, third-party payment refers to non-financial institutions as recipients and payers. Online payment, prepaid cards, bank card acquiring and other payment services determined by the People's Bank of China provided by payment intermediaries. Third-party payment is no longer limited to the initial Internet payment, but has become a comprehensive payment tool with full 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, Yu'e Bao model and other forms, the Internet currency represented by Bitcoin He also began to show his fangs[6].

The explosion of Internet currency, represented by digital currencies such as Bitcoin, is, in a sense, more disruptive than any other form of Internet finance. On August 19, 2013, the German government officially recognized the legal "currency" status of Bitcoin. Bitcoin can be used for tax payment and other legal purposes. Germany also became the first country in the world to recognize Bitcoin. This means that Bitcoin has begun to gradually "whitewash", from being a plaything of geeks to entering the public eye. Perhaps, it can give birth to a real Internet financial empire.

Bitcoin has been booming, but it has also plummeted.

In any case, this Internet gold rush feast that once seemed far away from us has slowly come into our sight. It allows people to see that the ultimate form of Internet finance is Internet currency. All Internet finance only poses a challenge to existing commercial banks and securities companies. The future development of Internet currency will be a challenge to the central bank. Maybe Bitcoin will subvert traditional finance and grow into the first global currency, maybe it will eventually collapse. No matter what, it is certain that Bitcoin will leave an eternal legacy to mankind. [6]

Big data finance

Big data finance refers to *** massive amounts of unstructured data. Through real-time analysis, it can provide Internet financial institutions with comprehensive customer services. Information, by analyzing and mining customers' transaction and consumption information, we can grasp customers' consumption habits and accurately predict customer behavior, so that financial institutions and financial service platforms can be targeted in marketing and risk control [7].

Financial service platforms based on big data mainly refer to financial services provided by e-commerce companies with massive data. The key to big data is the ability to quickly obtain useful information from large amounts of data, or the ability to quickly monetize big data assets. Therefore, big data information processing is often based on cloud computing.

Financial institutions

The so-called information-based financial institutions refer to the use of information technology to transform traditional operations...>>

Question 7: Which categories the Internet financial industry is divided into depends on how you distinguish it. It can be divided into real estate finance, insurance finance, etc. by industry. For example, 7dai APP is specifically targeted at insurance companies

Question 8: What are the general Internet financial products? Divided into five major categories as a whole:

Trusts and private equity funds have relatively high investment quota thresholds

P2P online loans have relatively high risks and high yields

Stocks , Funds have high returns but high risks, floating around 20%

Fixed-term financial management yields are generally 4% to 5%, such as Yu'e Bao and Wealth Management

Bank time deposit yields The annualized rate is only about 3%.

Question 9: What are the four basic needs of Internet financial users? The strongest requirements of Internet financial users are 1. Fund security; 2. Fund security; 3. Fund security. , 4. Fund security.

Question 10: How many profit models are there for Internet finance? The popularity of Internet finance also makes people think about a question: Are all major companies and investors really making money from such a popular Internet finance company? What are the specific ways to make money? Follow me in the next time to take a look at the profit model of Internet finance.

1: Recommendation fee

Internet financial companies can directly recommend loan customers to financial companies and collect recommendation fees. This model requires a huge database to sort out and analyze information about different loan customers. The advantage of this approach is that financial institutions avoid the high cost of discovering customers and can focus on their core business.

2: Handling fees

This income source is the integration of transaction and handling fee income. Currently, when users apply for loans, Internet financial companies help users complete the entire loan process. After the loan is approved, a corresponding proportion of the loan amount will be charged as commission. If it becomes a P2P online lending platform, lenders will need to pay corresponding fees on different platforms, which is the main income resource of a pure platform. For payment companies, handling fees are naturally the main means of profit.

Three: Advertising fees

We are not familiar enough with traditional Internet companies, that is, the advertising fees that financial institutions invest in Internet financial websites. Advertising on financial websites is a precise investment for investors who actively visit the website and can achieve better results. At the same time, advertisers can also be charged for advertising positions on Internet financial websites to obtain revenue.

Four: Pricing fee

The pricing fee here refers to risk pricing. Provide fee-based services for financial companies to conduct customer credit assessments, or assist financial companies in pricing risks. Analyze and mine user behavior data and provide it to financial companies in need. Industry insiders pointed out that risk pricing is not a new concept. The core of banks is to price risks, but whether they can do it well is that many small and medium-sized enterprises that cannot get loans actually have good qualifications. Internet financial companies use the Internet and finance to Vertical search to solve the problem of information asymmetry, pricing fees will become one of the important profit models of Internet finance in the future.

This concludes the introduction of several Internet financial profit models. It is worth noting that each Internet financial company will have a different profit model. With the development of Internet finance, various profit models are directly changing, and the focus of each enterprise will be different. There are still many profit models of Internet finance that have not yet been discovered, and the prospects are worth looking forward to. For more information on Internet finance, please come to the company’s live video broadcast room to learn more.