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留学生作业代写:The development mode of internet finance

2017-08-29 来源: 51due教员组 类别: Essay范文

下面为大家整理一篇优秀的essay代写范文- The development mode of internet finance,供大家参考学习,这篇论文讨论了互联网金融的发展模式。互联网金融,就是指传统金融机构与互联网企业利用互联网技术和信息通信技术实现资金融通、支付、投资和信息中介服务的新型金融业务模式。如今,互联网金融已经形成自己的模式,根据它的业务模式,可分为:支付平台型、融资平台型、理财平台型和服务平台型。

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With the rapid development of information technology, large data, cloud computing and other technologies widely used, the traditional financial industry and the depth of the Internet integration, the emergence of the internet finance this emerging industries. In recent years, internet finance through the Internet, mobile Internet and other tools, so that the traditional financial business has become more convenient, transparent, convenient, and the derivation of many new financial models.

Internet finance refers to the new type of financial business mode in which traditional financial institutions and Internet enterprises use Internet technology and information communication technology to realize financial intermediation, payment, investment and information intermediary services. The integration of the two is not simply added, but the combination of the Internet Information Technology and the Internet platform and the depth of the financial industry, and the traditional financial industry from the content to the form of all-round, a deep layer of overlapping.

The development of internet finance in China is slower than that of developed economies in Europe and America, so far, it is divided into four stages: the first phase: the 1990 's-2005: The main combination of Internet and finance in this period is that the Internet provides strong technical support for the financial industry, that is, to move the traditional banking business to the Internet, including the net banking, ATM and other business implementation. The second stage: 2005-2013: After several years of development, internet finance in China began to form a preliminary scale, the specific performance of the network lending began to sprout, the third-party payment agencies gradually grew up, the combination of Internet and finance began from the technical field into the Financial business field. This phase of the landmark event is the 2011-year People's bank began to issue third-party payment licences, third-party payment agencies have entered the track of normative development. Phase III: 2013. 2013 is also known as the Internet's financial year. 2013 was singled out as a stage in the development of internet finance, because of the historic events of many internet finance during the year, such as Peer-to-peer network lending, which was a major development during the year, Money Fund product balance of the launch of the "Angel sinks" as the representative of the financing platform to start operation, by the Alibaba Ma Yun, China Ping ' an MA, Tencent's Ma Teng together founded the "Public Security Online" network insurance company was approved, and the bank, Brokers have also relied on the Internet to restructure and promote their products, while the development of internet finance has been the concern of the Government. Phase IV: 2013-so far. With the development of mobile Internet, mobile phones gradually become the Internet financial operation Terminal, most of the financial business can be realized on the mobile phone, such as the major banks of the app can realize real-time transfer, remittance, no card no discount and so on.

After the development of the above stage, internet finance has formed its own mode in China, according to its business model, it is divided into: payment platform type, financing platform type, financial platform type and service platform type.

Network payment refers to the behavior of transferring money funds between the payer and the public network or private network. including Internet payment, mobile phone payment, fixed telephone payment, digital television payment, and so on, the first two methods of our daily life payment methods, especially mobile phone payment business, more and more become our life is an indispensable way of payment.

The typical representative of the payment platform-type Internet finance is the Alipay paid by the third party. Alipay still occupies a third party to pay the main share in the 2016q1 third-party mobile payment trading scale market share, Alipay accounted for 51.8%, Tenpay accounted for 38.3%, Lakara accounted for 1.4%, the linkage advantage accounted for 1.3%. Now Alipay users have reached 300 million people, Alipay is now dabbling in a wider range, including traditional network payments, credit card repayment, cell phone recharge, water and electricity gas billing business, but also expand the business to the medical insurance industry, illegal payment, such as mobile payment, Alipay will provide us with the wisdom of life, let us spend less time to wait, spend more time to live.

Third-party payment is now in the first stage of rapid payment, and gradually towards the use of credit guarantee to seek a greater interest in the second phase of the direction of development, and gradually realize the use of large data marketing methods, so that their development and growth, and eventually developed into a new comprehensive financial model.

Financing platform-type Internet finance is a financing platform based on the Internet, making full use of the Internet to meet the needs of small and medium-sized enterprises and individuals. Financing platform-type Internet finance model has three types: public-raising, peer-to-peer and microfinance. Public finance refers to small businesses or individuals using the Internet and SNS to show their ideas to the public, soliciting financial assistance a financing model. Refers to the form of purchase + pre-order, to the Netizen to raise project funds model.

Peer-to-peer is a business model that gathers a very small amount of money to lend to people with a financial need. Peer-to-peer is also made up of three elements, borrowers, reputable, borrowing on peer-to-peer sites, lenders, extra cash, attracted by high interest rates, and agreements reached through Peer-to-peer credit services platforms. Peer-to-peer network lending was first produced in the UK in 2005, as it was more flexible and efficient than banks, with high returns on investment and soon replicated globally and introduced into China in 2007. China's first Peer-to-peer platform is a pat loan. It now averages more than 6%, with the highest borrowing even reaching 20% of the proceeds. With its high yield and good flexibility, the Peer-to-peer platform has grown rapidly-becoming the third largest lending platform for bank lending and private borrowing.

Micro-network lending. Ali is the pioneer of this model. Alibaba uses some of its big data resources to conduct credit ratings for businesses and individuals, and to establish a database of SMEs and individuals to lend to them. Ali's success in small loans, and meet the needs of SMEs and individuals in a period of time to the funds, but also make their own funds to maximize the benefits. Now many large electric power companies have followed the model of Ali small loans, such as Suning, Jingdong and so on, began to set foot in the Internet microfinance field.

Finance-Type Internet finance is a financial or non-financial institution that provides financial products and services to investors through the Internet, covering the sale and trading of funds, insurance, Treasury bonds, foreign exchange, futures, precious metals, banking and financial products. Ant Gold Clothing's balance treasure is the pioneer in this field, the main business is the balance value-added services and demand fund management services. Balance treasure is China's largest monetary fund, it is flexible operation, low threshold, expand the channels of public finance. Balance treasure in a short time to gather a large number of idle funds, produced a strong radiation effect, a number of banks, brokers have launched their own products, such as Ping ' an bank launched "Peace Surplus", Minsheng Bank launched "Ruyi Treasure", Yiyang refers to the introduction of "cash housekeeper" and so on. Domestic major electricity companies, the website has also launched its own name of the Internet financial management platform, Baidu launched Baidu Financial management, Beijing east to launch the Beijing Financial management, Suning launched the Suning financial and so on. In addition, the financial system as the main business of the Internet a large number of emerging, such as Lu Jin, a few meters network, copper Street and so on the Internet integrated financial transactions platform, these platforms effectively let more assets and funds to achieve efficient docking, so that people can have more ways to manage the money in hand.

The Service platform-type Internet financial model mainly provides the individual with the financial product search and the parity service, helps the consumer to obtain the low rate loan, the financial management, the insurance and so on convenient service. Internet finance is at an unprecedented pace in the development of a variety of loans, financial products genuine, so that consumers do not have to do. How to search from many products to their real needs of the financial products, is the service platform-type Internet finance to our effective help. The 360 and the net is the leader of the Internet financial model, the main purpose of which is to help consumers access to lower rates of loans, financial management, insurance and other services.

The development of Internet finance accords with the trend of the Times and provides a broad space for the development of financial institutions and enterprises. The internet financial industry is in the rapid development stage, will not stop in the above four models, will be along with the human financial services demand diversification of development and constantly innovate new business model.

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