Internet finance is an emerging field that combines the traditional financial industry with Internet technology. With the rapid development of Internet technology, Internet finance is becoming more and more prosperous. If you want to work in the financial industry, it is very necessary to understand Internet finance in practical financial operations. The editor below will give you a brief introduction to the three common models of Internet finance.

1. Internet Financial Credit Payment

Internet Financial Credit Payment, also known as third-party payment, refers to the credit payment business led by large Internet shopping websites for its consumers. To a certain extent, the Internet financial credit detachment is equivalent to a virtual credit card. Consumers apply for credit payment based on their own reputation and qualifications. After passing the review, they can pay for consumption through Internet financial credit. Within a specified period of time, the consumer repays the fee and pays interest and fees.

Take Ant Huabei, which we use daily, as an example. The user's credit limit is issued through Zhima Credit Points rating. After consumption, the user needs to repay at a fixed time every month, otherwise he or she needs to pay a certain amount. Interest.

2. P2P online lending

P2P finance refers to small loan transactions between individuals. It generally requires the help of professional e-commerce network platforms to help borrowers and lenders establish lending relationships and complete related transactions. formalities. Borrowers can publish their own loan information, including amount, interest, repayment method and time, and decide the loan amount by themselves to achieve self-service borrowing.

In the past few years, many P2P companies have experienced difficulties with cash withdrawals, and even the boss ran away. In addition to the company's own operating problems, the regulatory system is also not perfect. At present, the country has strengthened supervision, with the China Banking and Insurance Regulatory Commission responsible for supervision, and P2P online lending platforms are becoming increasingly standardized.

3. Crowdfunding

Crowdfunding is public financing, which refers to the mode of raising project funds from netizens in the form of group purchases and pre-orders. Crowdfunding takes advantage of the communication characteristics of the Internet to allow small businesses, artists or individuals to showcase their creativity to the public, gain everyone's attention and support, and then obtain the financial assistance they need.

Compared with traditional financing methods, crowdfunding is more open, and the ability to obtain funds is no longer based on the commercial value of the project as the only criterion. As long as it is a project that netizens like, they can obtain the first funding for the project through crowdfunding, providing unlimited possibilities for more people who operate or create on a small scale.