1. Crowdfunding Crowdfunding is intended to raise funds for mass or mass funding, which refers to the form of raising project funds to netizens to raise projects in the form of group purchase pre -order. The original intention of crowdfunding is to use the characteristics of the Internet and SNS to allow startups, artists or individuals to show their creativity and projects, strive for everyone's attention and support, and then receive the required funding assistance. The operating model of the crowdfunding platform is similar -individuals or teams that require funds to plan the project to the crowdfunding platform. After the relevant review, you can establish your own page on the platform's website for the public to the public Introduce the project situation. 2, P2P online loan p2p (peer-to-), that is, point-to-point credit. P2P online loan refers to the matching of funds and loans through the third -party Internet platform. People who need to borrow a loan can find people who have the ability to borrow and are willing to borrow based on certain conditions through the website platform to help lenders pass with other other and others. The lender share a borrowing quota together to disperse risks, which also helps borrowers to choose attractive interest rates in full comparison information. The two operating models. The first is the pure online model. It is characterized by the funds borrowing activities through online and do not combine offline review. Generally, the measures for the qualifications of the borrower adopted by these companies include video authentication, viewing bank running bills, and identity certification. The second is the combination of online and offline. After the borrower submits an application for borrowing online, the platform adopts the acting of the city to review the borrower's credit and repayment capabilities. 3, third-party payment The third-party payment (Third-) Non-bank institutions with certain strength and reputation, with the help of communication, computer and information security technology Methods establish a connected electronic payment model between users and bank payment settlement systems. In the definition of non -financial institution payment services given by the central bank in the "Administrative Measures for the Payment Service of Non -Financial Institutions" in 2010, from a broad sense, third -party payment refers to the non -financial institution as a payment and payment of payment agencies. The online payment, prepaid card, bank card receipt, and other payment services determined by the People's Bank of China. If third -party payment is not limited to the initial Internet payment, but has become a comprehensive payment tool with richer application scenarios and richer application scenarios. 4, digital currency In except for the booming third -party payment, P2P loan model, small loan model, crowdfunding financing, Yu'e treasure model and other forms, the Internet currency represented by Bitcoin also begins to show its own exposure獠 獠. The outbreak of the Internet currency represented by digital currencies such as Bitcoin is more disruptive than any other Internet financial form in a sense. On August 19, 2013, the German government officially recognized the legal "currency" status of Bitcoin. Bitcoin could be used to pay taxes and other legal purposes. Germany also became the world's first country to recognize Bitcoin. This means that Bitcoin began to gradually "washed", from the popular players to the public's sight. Perhaps it can give birth to a real Internet financial empire. Bitcoin fried hot and fell fiercely. In any case, this seemingly far away from us has gradually entered our sight. It makes people see that the ultimate form of Internet finance is the Internet currency. All Internet finance only challenges the existing commercial banks and securities companies. The form of developing to the Internet currency in the future is a challenge to the central bank. Perhaps Bitcoin will subvert the traditional financial growth to the first global currency. Maybe it will eventually collapse. In any case, it is certain that Bitcoin will leave a eternal legacy for humans. 5, big data finance Big data finance refers to the collection of massive amounts of non -structured data. By analyzing it in real time, it can provide customers with all -round information for Internet financial institutions. Consumer information master the consumption habits of customers, and accurately predict customer behavior, so that financial institutions and financial service platforms are targeted in marketing and risk control. The financial service platform based on big data mainly refers to financial services carried out by e -commerce enterprises with massive data. The key to big data is the ability to quickly obtain useful information from a large amount of data, or the ability to realize quickly from big data assets. Therefore, the information processing of big data is often based on cloud computing. 6, informatization financial institutions The so -called information financial institution refers to transforming or reconstructing traditional operating processes by adopting information technology to realize banks, securities and insurance, such as banks, securities, and insurance that manage comprehensive electronicization. Financial institution. Financial information is one of the development trends of the financial industry, while information and financial institutions are the products of financial innovation. In from the perspective of the entire financial industry, the information construction of banks has been at the leading level in the industry. It not only has an internationally leading financial information technology platform, but also built an electronic banking composed of self -service banks, telephone banking, mobile banking and online banking. The three -dimensional service system, and the large -scale information -data concentration engineering leads in the industry. In addition to innovative financial services based on the Internet, it has also formed "portal", "online banking, financial product supermarket, electricity, electricity, electricity "Shang" Drag three financial e -commerce innovation service model. 7, financial portal Internet financial portal (ITFIN) refers to the use of the Internet for sales of financial products and a platform for providing third -party services for financial product sales. Its core is the "search price" model. It adopts the method of vertical price comparison of financial products to put the products of various financial institutions on the platform, and users choose the appropriate financial products by comparing the comparison. The diversified and innovative development of Internet financial portals has formed a third -party wealth management institution that provides high -end wealth management investment services and wealth management products, providing insurance product consultation, price comparison, and insurance portal websites for purchasing services. There are not many policy risks in this model, because its platform is neither responsible for the actual sales of financial products nor to bear any adverse risks, and at the same time, funds do not pass the intermediate platform at all. Reference information Source: Baidu Encyclopedia-Internet Finance
The more traditional P2P is that online loans are scattered. In fact, there is only the current form, just move the offline things to the Internet. Such as: everyone is loaned, the investment in the investment, you understand at a glance. The rest are traditional, what financial management, bonds, insurance, etc., but you should pay attention, many companies now have this guise to loop money.
Internet finance includes three basic corporate organizations: online small loan companies, third -party payment companies, and financial intermediary companies. Electronic banking, online banking, mobile banking, etc., which are generally promoted by commercial banks, also belong to such categories. Internet finance is the six major models: online loan, crowdfunding, third -party payment, big data finance, virtual currency (Bitcoin), and baby legion (Yu'ebao products). Mainly these six blocks. Essence Essence
Traditional financial Internetization has developed online banking, third -party payment, personal loans, and corporate financing. Including but not limited to paying for third -party payment, sales of online wealth management products, credit evaluation review, financial intermediary, financial e -commerce crowdfunding Fantongbao and other models. , Want to know the latest development developments, recommend the fire line Internet financial community
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