Internet banking launched by four major commercial banks, mobile payment launched by Tencent with WeChat and PICC P&C insurance, Yu 'ebao developed by Taobao and Tian Hong Fund, and a number of third-party payment platforms such as Yifubao, Baifubao and Kuaiqian. This is all internet finance.

What do Internet financial service companies mainly do?

Internet finance (IT FIN) refers to a new type of finance that relies on Internet tools such as payment, cloud computing, social networks and search engines to realize financing, payment and information intermediary services.

The current pattern of Internet finance consists of traditional financial institutions and non-financial institutions. Traditional financial institutions mainly include Internet innovation and e-commerce innovation of traditional financial services, while non-financial institutions mainly refer to e-commerce enterprises that use Internet technology for financial operations, peer-to-peer lending platforms in the mode of creating wealth loans, online investment platforms in the mode of crowdfunding, mobile phone financing apps for digging wealth, and third-party payment platforms.

I graduated last year with a master's degree in finance. If you want to know anything, you can continue to ask. I hope I can help you.

What does Internet finance include? What are the specific categories?

The development of traditional financial internet has experienced online banking, third-party payment, personal loans and corporate financing. Including but not limited to payment for third parties, sales of online wealth management products, credit evaluation and audit, financial intermediary, financial e-commerce crowdfunding and other modes.

What is Internet finance? What is the difference between internet finance and financial internet?

Thank you for inviting me! Please ask Daniel to pat the brick!

Direct financing, to put it bluntly, means that people who are short of money borrow money directly from rich people. Stock is the most typical direct financing method. When you buy stocks, you lend money to an enterprise, and then he pays you dividends every year. So do bonds. He pays you interest every year when you buy corporate bonds. Indirect financing means that rich people or enterprises do not lend money directly to people who are short of money, but through intermediaries. Who is the intermediary? The most typical is the bank. We deposit a large amount of money in banks, which arrange funds in a unified way and distribute them to people or enterprises that are short of money. We get the interest from the bank when we save money, and the interest from the bank to the enterprise when we borrow money. The difference between the two is the profit of the bank. The circulation of credit currency has two characteristics: one is the separation of ownership and use right, and the other is that this separation process is remunerative, which is generally reflected in interest or dividend. )

The internet is just a re-understanding of the underlying structure of human beings. Therefore, the most basic financial transactions may also be put on the Internet, just because everyone's operating habits now allow this to happen. (Let's talk about Yu 'ebao first. It is only the docking with the monetary fund that makes the transaction itself more convenient. Strictly speaking, it is not financial innovation. )

Professor Xie Ping, who first put forward the concept of Internet finance in China, once put forward the third financing mode, which is different from direct financing and indirect financing, namely "Internet finance mode", which may represent the understanding of most people on this mode. His definition is: convenient payment, extremely low market information asymmetry, direct transactions between the supply and demand sides of funds, and ineffective financial intermediaries such as banks, brokers and exchanges can achieve the same resource allocation efficiency as direct and indirect financing, and greatly reduce transaction costs while promoting economic growth. He regards internet finance as the third way of financing, and of course, you can also regard any act of realizing such financing through internet technology as internet finance. Including the behavior of traditional financial institutions using the Internet to improve their efficiency, can be defined as Internet finance.

I think the most important thing is to understand that the core meaning of internet finance is to achieve disintermediation, that is, financial disintermediation. I hope to use the Internet to make information more transparent, to make intermediaries lose the information advantages that they originally relied on information asymmetry, to make all kinds of social participants more flat, and to some extent to reduce the professional advantages of financial intermediaries brought about by specialized division of labor, so that the functions of a large number of financial institutions continue to differentiate or even disappear.

Internet finance or financial internet? There is a view in the industry that Internet companies are involved in the financial field, which is Internet finance. If financial enterprises use internet means, it is not internet finance, but financial internet. I don't think it is advisable to separate them in this way. Using financial thinking to do the internet or using internet thinking to do finance is nothing more than arguing about who serves whom.

The Internet finance I agree with is not only to sell the original offline financial products online, but to do what the traditional financial industry does with the "spirit" of the Internet. What is the traditional Internet spirit? It is openness, equality, cooperation, sharing, decentralization and customer experience first! ! In the short term, the core of China's Internet finance industry is financial attributes, and the Internet is just a tool, which generally abides by financial rules. You see, p2p, which has the most internet financial attributes abroad, has been made into a financial internet model in China because it has no effective risk control. P2P companies directly get involved in the transaction and become a party to the transaction, which makes Internet finance, which should be financial disintermediation, become or fail to disintermediate. The model that needs its own credit attachment has essentially become a guarantee company, a part of P2P, and even a bank. By building a pool of funds, it became an unlicensed bank. This deformation is actually very typical. Their essence is actually financial institutions. I won't give examples here.

Related articles are linked as follows, if you are interested, you can have a look:)

What does Internet finance mainly include?

The main modes are as follows:

crowdfunding

Zhongchouda

That is, public fund-raising or public fund-raising refers to the mode of raising project funds from netizens in the form of group purchase and pre-purchase. The original intention of crowdfunding is to use the characteristics of the Internet and SNS to make startups, artists or individuals face the public.

Show your creativity and projects, win everyone's attention and support, and then get the financial assistance you need. The operation mode of crowdfunding platform is similar-individuals or teams who need funds hand over project planning to crowdfunding platform.

After the relevant approval, you can set up your own page on the website of the platform to introduce the project to the public. [3]

Peer to peer loan

P2P[4] (Peer-

To-Peerlending), that is, peer-to-peer credit. Peer-to-peer online lending refers to the matchmaking between borrowers and lenders through a third-party Internet platform, and those who need to borrow money can find it through the website platform.

People who are able to lend and willing to lend under certain conditions can help lenders spread their risks by sharing loan quotas with other lenders, and also help borrowers choose attractive returns from fully compared information.

Interest rate conditions such as loans and loans.

There are two modes of operation. The first mode is pure online mode, which is characterized in that all fund lending activities are conducted online, without combining offline audit. Usually, these enterprises take measures to examine the qualifications of borrowers, such as video authentication, checking bank bills and identity authentication. The second mode is the combination of online and offline. After the borrower submits the loan application online, the platform will review the borrower's credit and repayment ability through the local agency and household survey.

Third party payment

In a narrow sense, third-party payment refers to an electronic payment mode in which a non-bank institution with certain strength and credit guarantee establishes a connection between users and bank payment and settlement systems by signing contracts with major banks with the help of communication, computer and information security technologies.

According to the definition of payment services of non-financial institutions given by the central bank in 20 10 Measures for the Administration of Payment Services of Non-financial Institutions, broadly speaking, third-party payment refers to

Online payment, prepaid card, bank card receipt and other payment services determined by the People's Bank of China provided by non-financial institutions as the payment intermediary of the payee and payer. Third-party payment is not limited to the original internet branch.

Payment has become a comprehensive payment tool with comprehensive online and offline coverage and richer application scenarios.

digital currency

In addition to the booming third-party payment, P2P loan model, small loan model, crowdfunding financing, balance treasure model and other forms, Internet currency represented by Bitcoin has also begun to show its fangs [5].

Take digital currency such as Bitcoin as an example.

In a sense, the outbreak of Internet currency is more subversive than any other form of Internet finance. On August 20 13 19, Germany officially recognized the legal "currency" status of Bitcoin.

Bitcoin can be used for tax payment and other legal purposes, and Germany became the first country in the world to recognize Bitcoin. This means that Bitcoin has gradually "washed white", moving from a geek's plaything to the public's sight. Perhaps, it can urge

A real Internet finance empire was born.

Bitcoin has been hot and has fallen sharply. In any case, this internet gold rush feast, which seems to be far away from us, has slowly entered our sight, which makes people

Scientists have seen that the ultimate form of Internet finance is Internet currency. All internet finance only challenges the existing commercial banks and securities companies, and the future development of internet currency is a challenge to the central bank.

Fight. Perhaps Bitcoin will subvert the traditional financial growth, become the world's first currency, or eventually collapse. In any case, it is certain that Bitcoin will leave an eternal legacy to mankind. [5]

Big data finance

Big data finance refers to massive unstructured data. Real-time analysis can provide internet financial institutions with all-round customer information. By analyzing and mining customer's transaction and consumption information, we can master customer's consumption habits and accurately predict customer's behavior, so that financial institutions and financial service platforms can have clear goals in marketing and risk control.

The financial service platform based on big data mainly refers to the financial services carried out by e-commerce companies 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 quickly realize the use of big data assets. Therefore, the information processing of big data is often based on cloud computing.

financial institution

The so-called information-based financial institutions, > >

What are the occupations of Internet finance?

General Internet financial platform companies will set up the following functional departments:

I. Market Development Department

1, responsible for completing the company's annual objectives and tasks such as market sales, market expansion and cost control, and responsible for decomposing and implementing the target responsibility system to ensure that all work objectives can be achieved.

2. Investigate and analyze marketing policies, market and inter-industry marketing trends, timely adjust marketing strategies and plans, and formulate preventive and corrective measures to ensure the completion of marketing objectives and plans.

3. Be responsible for expanding and managing sales channels, coordinating and maintaining the relationship between business partners and customers, and establishing a strong sales system and customer relationship.

4. Guide the marketing personnel to solve the problems and difficulties encountered in the work, and assist the Human Resources Department to complete the employee performance appraisal.

5. Establish and manage the sales team, standardize the sales process and achieve the sales target;

6. Grasp the market dynamics, actively explore new customers in time, broaden business channels, and continuously expand the market share of the company's products;

7. Responsible for business negotiation and drafting business contracts and agreements.

Second, product research and development department (some separate operation departments)

1. Participate in the company's platform product decision-making, assist the CEO to formulate product development strategy and realize the enterprise product management objectives;

2. According to the company's long-term development plan and comprehensive market demand, develop and design loan products and business processes suitable for the platform, and formulate marketing strategies and marketing plans;

3. Be fully responsible for the construction of relevant systems, systems and processes of the company's financial and credit departments, provide corresponding professional solutions for CEO's decision-making, and organize their implementation;

4. According to the company's product requirements, be responsible for the demand analysis, overall design and detailed planning of platform software modules, formulate operation strategies and schemes and organize their implementation;

5. Statistically analyze all kinds of data of the platform, propose improvement schemes, and maintain, promote and upgrade the platform;

6. Comprehensively analyze and improve the user experience and business processes, participate in the brand, product and market planning of the platform, and realize the established goals and tasks of the company;

7. Plan the style, structure, function, construction, training and daily work of the platform;

8. Formulate the medium and long-term operation objectives and plans of the platform;

9. Pay attention to the industry market and inter-bank operation strategy;

Four. Risk control department

1. Establish a risk control system, formulate risk management processes and risk management systems, and design work guidelines and operation processes for risk management positions;

2. Review the substantive risks of various loan projects, communicate with business team managers, fully understand the project risks, monitor the analysis of various business risks and the formulation of preventive measures, and establish enterprise risk databases and tracking files;

3. Be responsible for the risk assessment of the company's projects and implement relevant risk assessment procedures;

4. Write a risk assessment report, provide risk tips for possible risk points in business operation, issue risk control suggestions and risk levels, analyze the source and impact of risks, and provide solutions;

5. Responsible for organizing loan review meetings, organizing pre-loan risk review, risk control during loan and post-loan follow-up management of corporate loans, issuing risk tips and risk assessment reports, and keeping project risks to a minimum;

6. Review the company's internal risk control system and related documents on a regular basis after the project is put into operation, and modify and improve it at any time as needed.

Verb (abbreviation of verb) collection (asset preservation department)

1, according to the collection task assigned by the superior, and according to the monthly work target, complete the telephone collection target;

2. According to the overdue situation, formulate collection strategies and targets and implement them;

3. Collect overdue customers within the task, guide customers to repay correctly, and report abnormal high-risk customers in time;

4. According to the early/middle/late collection strategy, collect overdue customers by phone and SMS;

5. Professional management of overdue accounts, corresponding business processing according to the actual requirements of customers, and timely feedback of problems;

6. Systematically analyze overdue customer groups, and seek the * * * nature of regions, loan types and industries. And put forward the coping strategies;

7. Record the collection results truthfully, maintain the collection and arrangement of collection materials, and manage the post-loan work.

Intransitive verb justice department

1. Implement contract management measures and procedures, be responsible for the management and guidance of legal review of major company projects and company-level contract texts, and put forward improvement suggestions in the process of contract management;

2. Formulate legal policies, provide consultation for the company's legal affairs, provide legal services for business decision-making, and issue legal opinions ..... >>

What are the Internet wealth management companies? Do you have any recommendations?

The financial workshop is a very good platform. It has been online for several years and has been operating well.

The concept of internet finance company

Internet finance is a relatively broad concept!

Internet-based financial services, Internet-based channels for financial institutions to obtain customers, and Internet-based risk control management can all be called Internet finance. Nowadays, the booming crowdfunding, Internet-based financial leasing and P2P in China can all be called Internet finance.

At the end of last century, with the popularity of the Internet, using the Internet and data systems to improve the customer conversion rate and brand audience of financial products was regarded as the earliest bud of Internet finance.

Then, the first company in the United States completed the source and flow of funds through the Internet, and Internet finance entered a new stage. At this stage, the most representative internet finance business in China is basically a company that copies this model and has no innovation. Peer to peer network

I wonder if you are asking about the most representative P2P business?

P2P originated in the United States, because the earliest operation mode is a point-to-point direct docking platform between borrowers and lenders, that is, direct docking between terminals. Its capital flows and channels are similar to those in the computer field. In addition, in recent years, many terms such as B2B, B2C and C2C have appeared in the field of e-commerce in China, which are mainly influenced by many natural person behaviors, also known as person-to-person. What's more, I don't know why, I feel that the subject is an individual, not an individual.

At present, domestic P2P companies are mostly engaged in information consulting, asset management, enterprise planning and other business areas. For example, XX Financial Information Service Co., Ltd., XXXX Asset Management Consulting Co., Ltd., XXXX Wealth Management Consulting, XXXX Investment Consulting, etc., although the words of finance and investment appear, don't ignore that the main business scope of their business licenses is consulting.

Therefore, the concept of Internet finance companies you ask can be subdivided as mentioned above, or can be roughly summarized: companies that use the Internet to conduct financial business.

I have been engaged in Internet and media for four years, and engaged in "Internet finance" for four years and nearly one year, focusing on the risk control mode, process research and development, and product design of Internet finance. I am very willing to share with you and learn from each other!

What are the Internet finance companies?

There are many internet finance companies now.

Mainly divided into two categories:

1 is an Internet payment enterprise such as Alipay and Tenpay.

Type 2 financial payment enterprises, such as Kuaiyin Yibao Kuaiqian.

I hope this helps.

How about setting up an internet finance company?

First, the meaning of Internet financial services

Internet finance is a new field that combines traditional financial industry with Internet spirit. The spirit of "openness, equality, cooperation and sharing" of the Internet permeates the traditional financial format and has a fundamental impact on human financial model. Financial formats with Internet spirit are collectively referred to as Internet finance. It refers to a legal person enterprise that provides financial intermediary services such as third-party payment and settlement, mobile payment, online credit, crowdfunding (equity), financial product sales, e-commerce finance, and factor platform by relying on the Internet, mobile communication, big data processing and other technical means; And innovative online financial institutions, e-commerce institutions, franchisees, R&D centers, etc. established by traditional banks, securities futures, insurance and other financial institutions.

Two. Registration conditions of Internet financial service companies

1. The minimum registered capital of Qianhai Internet Finance Service Company is RMB100,000 yuan or more;

2. You can subscribe for the registered capital of Internet financial service companies;

3. Internet financial service company executives have relevant experience.