There are a lot of people who have just started to contact the financial industry, believe what is network finance network finance refers to the network technology, mobile communication technology to realize the capital financing, payment and information intermediary and other businesses of the emerging financial model, different from the indirect financing of the commercial banks, and different from the direct financing of the capital market financing model. Network finance includes network small loan companies, third-party payment companies and financial intermediary companies three basic forms of business organization. Now the commercial banks generally popular electronic banking, online banking, mobile banking and so on also belong to such a field, network finance can be said to be the traditional financial industry and the spirit of the network combined with the emerging field, the development of network finance what are the characteristics of it

I, network finance is a knowledge-based economy, the information revolution era of the new financial products. The basic feature of the industrial era is that machines replace manpower, scientific and technological progress to improve labor productivity. Traditional CRM is basically a closed system, this model is not easy to radiate beyond the participants, the scope of influence is limited, and in the era of the information revolution, information technology is the natural trend of financial evolution, which exceeds the traditional financial institutions CRM model, to build a de-centered, mutual customer interconnection of communication channels, and finally to the free form of basic functions and value-added services to profit.

Second, the traditional financial institutions based on information asymmetry in their business activities, network finance to eliminate this asymmetry, earning the difference in information asymmetry.

Third, network financial enterprises can be low-cost, convenient way to directly contact customers, with centralized, community-based business, sales profitability.

Traditional financial institutions only as an organizer, the role of the platform, the relationship with the customer is based on the exchange of interests in the service and service relationship, in the form of the Internet, this relationship has become a customer-customer relationship, is an equal relationship.

Fourth, in the era of big data, the Internet can improve and expand the frequency and breadth of contact between financial institutions and customers, mining more useful information to provide users with differentiated customized services. The main feature of the market is that there is a relatively prominent head, but the proportion of people and things in this part is extremely small, the relatively slow part is known as the tail, the base is huge, but this part of the traditional financial institutions to ignore the group.

Fifth, the network across time and space through the material world and the virtual world, can provide 24-hour point-to-point real-time services.