美国作业代写：Internet finance

下面为大家整理一篇优秀的essay代写范文- Internet finance，供大家参考学习，这篇论文讨论了互联网金融。近年来，伴随着大数据、电子产业等信息技术的蓬勃发展，互联网金融蓬勃兴起，几乎覆盖了金融业的所有范畴。而互联网金融的兴起对于支持国家创新驱动发展战略，鼓励大众创业和供给侧的改革，提高金融服务普惠性和覆盖面具有积极和深远的意义。

As a new type of financial development model, Internet finance is developing rapidly and its swift and violent speed is unstoppable. Internet finance includes the third-party payment of Peer-to-peer Network loans, public financing, big Data finance, Internet insurance, internet financial portal and other models. The various models have promoted the development of finance. But at the same time, with the development of risk and the lack of relevant legal supervision, this problem has become one of the important issues. The article launches and analyzes the Internet finance itself and its risks and related precautions.

In recent years, with the rapid development of information technology such as large data and electronic industry, internet finance has been booming, which covers almost all areas of financial industry. On the whole, the rise of internet finance is of positive and far-reaching significance to support the National Innovation Drive Development Strategy, encourage the reform of the public entrepreneurship and supply side, and improve the financial service universality and coverage.

However, at present, some industries of internet finance are deviating from the right direction of development, and the bad phenomenon of "poor currency expelling good money" also exists, which is "eliminated" and "expelled" by those who are truly valuable Internet financial innovation and services, and those services with low quality are widely praised. Some institutions are drilling the loopholes in laws and regulations, interfering with the normal financial market order, and some institutions have arbitrarily appropriated or occupied client funds, causing great economic losses. In the current situation, the effective prevention of the risk of internet financial market can reduce the possibility of risk, reduce the degree of damage and adverse effects. Based on the above content, this article from the meaning of Internet finance, the Internet finance itself and its existing risk analysis and how to prevent the Internet financial risk to discuss.

Internet finance differs from indirect financing between commercial banks, also differs from the capital market direct financing, is one kind relies on the modern information technology carries on the financial activity, simultaneously is also relies on the Internet to provide the financial service product to form the fictitious financial market, is one kind of internet technology and the financial business correlation, the fusion and the innovation produces a kind of new financial model. In other words, internet finance is a new type of financial industry that combines modern information technology with modern financial depth.

Today's Internet finance has gradually developed and matured, the main model is also increasingly perfect, including third-party payments, Peer-to-peer Network loans, public financing, large data finance, Internet insurance, internet financial portal and other models.

Third-party payment is the core business and pillar of Internet finance. It is called a third party, because it does not involve the use of funds, only acts as a mediator. The third party payment transaction cost of internet finance is low, the transaction is convenient, has the superiority which compared with the traditional payment way, has brought the revolutionary transformation to our country's payment service.

Peer-to-peer lending literally means point-to-point credit, and some people call it "everyone lends". A person or entity that has the financial strength and the investment idea to lend money to other individuals or entities with a loan demand through the Internet. But the Peer-to-peer network loan platform can not intervene the loan transaction, also cannot share the borrower's default risk, so the loan default risk all by the lender oneself undertakes. In the future, Peer-to-peer will solve the problem of difficult financing for SMEs in our country for a long time, and become an important part of modern financing services.

As the name suggests is to mobilize people to raise funds, for an activity or the operation of the enterprise to provide funds for a new way of financing. Public financing needs to have the fund-raiser, the investor and the Internet Web site platform-oriented media three components.

Large-scale data finance is relying on the data of this mountain axe, through the massive and unstructured data on the Internet Information Technology and other specialized statistics and analysis of the real-time processing and relevance of the financial institutions and related industries to provide professional, efficient and accurate decision-making support.

Because of the important position of insurance in the financial industry, Internet insurance has become an important development content of internet finance. Internet insurance is a new generation of information technology which is represented by Internet to realize the operation of insurance business.

Internet finance refers to the service of providing trade and information for financial service providers through third party financial service platform. In the future, according to the development trend of Internet financial portal information will be richer, the platform's business functions will be more comprehensive, while the portal and professional platform docking more in-depth, business relevance more strong.

Large data is particularly important in the information age. On the one hand, financial industry is the important source and manufacturer of large data, on the other hand, the rapid development of finance can not be separated from the information technology operation of large data. So the typical industry in the data-driven industry is the financial sector. In the big environment of internet finance, the big enterprises scramble for dominance and actively occupy the market, in fact, it is the scramble and occupation of the data. This reflects the fact that big data is not a place to be shaken in today's internet finance. From the perspective of the development of the Internet financial field, the effective and rational application of large data is reflected.

The theoretical basis of traditional Bank's financial service is "28 law", that is, the customer resources of banks tend to be 20% of the high-end customers who have mastered 80% of the wealth. Internet finance, on the other hand, seeks to capture 80% of these long tail small users. These small micro-users of financial transactions are few and personalized, in the traditional financial system is not met, while the Internet Financial services small and medium-sized customers have a platform to solve their own needs, it can efficiently solve the personalized needs of users. For example, Peer-to-peer network loans, public financing, such as the new Internet funding model to a certain extent, to solve the small micro-enterprises and personal financing difficulties.

Internet finance provides a new channel for the financing of micro-enterprises today, and also provides users with convenient and efficient financial services, the efficiency of financial services has been significantly improved, greatly convenient people's lives.

The first is that transaction costs are lower than traditional finance. Internet financial transactions both sides through the network platform to understand information, mutual prosecution needs and transactions, effectively saving the transaction costs. Second, financial services also through the Internet, but also greatly reduced the cost of services.

For the Internet financial system, the probability of operational risk is significantly higher than before, perhaps because an operator or customer careless, the black dragon finger, the wrong number or decimal point, the result can be very serious. This is because the Internet financial business is in a virtual environment, the main body of the transaction to the Internet operating norms, requirements, processes and some attention to the details of the lack of clear understanding, coupled with the transaction subject to some of the psychological fluctuations, to a certain extent, increased the internet financial insecurity, to the internet finance, brought risks.

Today, with the rapid development of mobile Internet, almost everyone has a smartphones, and WiFi hotspots are covered in major shopping malls and public places, some outlaws see the opportunity, they use people to wireless network demand, establish to provide the false WiFi signal, waits for the consumer to connect these hot spots, enters the bank card account, the password and other privacy personal information will be secretly stolen by these outlaws in the consumer unknowingly. At the same time, the mobile phone text message is not behind the pace of the times, fraudulent text messages in various winning URLs or all kinds of points to induce you to point to the site link is a liar carefully set up a good bureau, so some intentional artificial traps and snares also increased the operational risk.

The current Internet finance is in the rapid development stage, all sorts of emerging financial money-management software and its business are dizzying, and while these companies are thinking about how to maximize their benefits with the wave of internet finance, the most reliable, stable, and safest development technology they use is a factor that warrants our consideration. If the choice of unreasonable, imperfect development technology solutions, may bring low transmission information efficiency, technical application of the problem is not good, it is likely to bring financial security risks.

And once there is a loophole, the hacker invasion, virus infection will spread throughout the system, to a good look at the system paralysis, serious is the result of information disclosure its disastrous results. If the system is unstable or interrupted during the busy phase of the transaction, the transaction will be affected. This is because the Internet financial business relies on the Internet and computer systems, if the computer system in the process of some of the encryption technology is not perfect, it is likely to be hacked into the intrusion, resulting in the system terminal can not operate normally, so that the internet finance suffered a heavy blow.

On the other hand, the transmission protocol of the Internet is the TCP/IP protocol family, the communication flow is the biggest advantage of this protocol family, but its security is relatively low, resulting in the Internet security measures are not effective, in the information transmission and funds transfer process information data easy to disclose and stolen.

Technology is changing, replacement is very common, technical backwardness has become a daily. And because the Internet technology has a very strong professional, the institutions engaged in Internet financial business even if they find their own technology is lagging behind, but by technology constraints or operating costs, and other factors of constraint, can not be updated or replaced by their own technology in a timely manner, so as to provide high technical requirements to meet the needs of the actual situation, but under certain circumstances must be forced to deal with these situations will cause a certain degree of damage to the system, then there may be loopholes, So the technical support is not in place also can bring the harm and the risk to the internet finance.

This risk is mainly caused by asymmetric information in the financial business market. The information asymmetry of the Internet business refers to the inaccurate and unsuitable information provided by the main body of the financial business in the virtual network environment, which makes the market opaque and deceptive, and the loss of the funds of the users, which is very unfavorable to the development of the market. The resulting lemon market is that in the initial stage of the Internet financial environment, financial products priced high quality good financial services are not accepted, but the low quality of the pricing of financial services by the vast number of users to accept, this undesirable market is not conducive to the development of Internet financial markets, resulting in market choice risk.

"Measures for the management of payment services by non-financial institutions", "Electronic signature Law", "interim measures on online securities entrustment Administration" and other relevant regulations have been promulgated, however, China's internet finance is a new industry, is still in its infancy, the relative laws and regulations of the supervision is not perfect, the relevant legislation is relatively backward and unclear, supervision is a blank state, there are many loopholes to the lawless elements to the opportunity to bring legal problems can not be underestimated. Therefore, we should constantly improve the Internet related laws and regulations, to minimize legal risks.

There is a legal risk of criminal risk. such as money-laundering crime, because of the convenience of Internet financial services, low threshold, to these outlaws to provide a natural hotbed of crime, in reality, criminal organizations using virtual electronic money laundering has occurred. Also, such as the use of the Internet for financial fraud, illegal fund-raising and other illegal activities have brought losses to the Internet financial services, causing the risk.

Credit can be said to be the cornerstone of financial development, is the core factor driving financial business, once the loss of credit, finance will be stalled. The same applies to internet finance. Due to the lack of the current credit management system for Internet finance, the cost of default is very low, which greatly increases the risk of default, not only to borrowers, but also to the Internet financial platform. And its default risk is concentrated in the Peer-to-peer network loan.

Building a sound Internet security system can improve the security of Internet operation. To construct safety system, we should improve the operating environment of internet finance, set up the firewall of computer system, secure protection function of the secret bank, protect the computer system, avoid the hacker's attack and the invasion of virus, in order to guarantee the safety. Secondly, we should strengthen the management of the Internet financial data, select the appropriate Internet technology and select the Standard Rules to deal with the data in the business reasonably, and effectively reduce the risks implied by the Internet system itself.

One of the most important is to improve the personal credit information. At present, in the Internet financial field, especially in the Peer-to-peer network loan industry, the commercial credit institution is still in the blank state, which provides the low cost convenience to the default, also has caused the Internet financial industry The hidden trouble. At present, the institutions engaged in credit business should be in the financial credit information base database, but there is no legal definition of peer-to-peer network lending institutions, so we should introduce relevant legal measures as soon as possible, so that the Peer-to-peer network loan platform joins the commercial credit institution this morning. In addition, the Internet financial institutions should strengthen the mechanism of internal control, establish a relevant risk management system to stifle risk at the source.

At present, the relevant Internet financial laws and regulations are imperfect, imperfect, has given a lot of lawless elements, some financial institutions also walk on the edge of the law, so should vigorously strengthen the Internet financial legal system, and constantly improve the relevant laws and regulations, and further improve the entry conditions of the industry. At the same time, it should be reasonable and effective to expand the boundaries of the law, with the practice, as far as possible to integrate Internet finance. And also must always think of the protection of investors ' rights and interests, and increase the protection of the rights and interests of investors, so as to help maintain the order of the market, promote the Internet financial markets vigorous, healthy and sustainable development.

In the long run, the deeper integration of the Internet and finance is the inevitable trend, is the mainstream direction of development today, we should seize this opportunity. At present, the Internet finance in our country is still in the initial stage, however, the development prospects are very clear, we need to learn from foreign experience, to draw on their own advantages, expand the scope of business, reduce the financial costs, improve the quality of financial services, to provide people with a more efficient investment environment. However, the current risk is still there, and there is a great threat, so we should improve the legal system, the establishment of financial security system and financial credit risk management system to prevent and manage risk, for the development of Internet finance to clear obstacles, to promote its better and faster progress and development.

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