Due to the development of the Internet, especially the mobile Internet, there is a trend of popularization, fragmentation, cross-border, integration and integration in this era. Among them, network finance is one of the combination modes of network and traditional finance. No matter whether it is financial internet or internet finance, there is no opposition and hegemony. The essence of mutual promotion and integration is finance. We should also respect the nature and laws of finance. On the premise of respecting the financial laws, the Internet gives full play to the incomparable technical advantages of traditional methods, and has more advantages in information and risk prevention management, more convenient and effective in fund matching and risk pricing, which promotes finance, reduces financing costs and expands financing channels. If we just change our thinking and raise the financing cost instead of playing an innovative role, this kind of network finance is just an illegal financial wolf in the cloak of network. How many modes can online finance have?

These three categories are

1) Internetization of traditional financial institutions

2) Network enterprise financial services based on cloud computing, e-commerce platform, network retrieval and big data.

3) Public financing mode represented by third-party payment, financing and loan.

Specifically, it can be subdivided into the following eight categories:

Mode 1: financial internetization (information-based financial institutions)

It refers to the informationization of traditional financial enterprises using Internet technology, such as online banking of banks. The development trend of this model is online financial supermarket electrical appliance manufacturers.

Mode 2: Big data finance or online supply chain finance.

This model refers to the financial services that Internet companies engage in by using e-commerce platform, Internet search and big data, such as Baidu's big data service, Ant and JD.COM. Online supply chain financial services based on COM.

Mode 3: Internet financial portal

This model refers to the portal website that provides comprehensive information services for financial products, which is similar to the search network in the online financial industry. For example, financing 360,965,438+0 financial supermarket.