Paper代写：Internet financial－r51due

下面为大家整理一篇优秀的paper代写范文- Internet financial，供大家参考学习，这篇论文讨论了互联网金融。互联网金融是金融与互联网技术的结合，它以互联网的开放平台为依托，利用大数据及云计算等互联网提供的技术支持，并且建立在社会对于电子商务的广泛认可的基础之上的金融业形态和服务体系。互联网金融拥有自己的市场、产品、服务、组织乃至监管等一系列体系，并且具有普惠化、碎片化、平台化、信息化等有别于传统金融业的特点。

Internet financial business in our country has developed rapidly in recent years, the market reaction is very warm, the traditional financial institutions such as commercial Banks, trust and leasing companies to speed up the pace of its own Internet services in the direction of emerging Internet companies and the group behind the big push into the financial sector, such as alibaba and jingdong, even some small qualification is not a good company and a leather bag also begin to enter the Internet in the financial sector to look forward to gaining profits, due to the good and evil people mixed up on the market, investors investment increasing difficulty situation.

Finance is the combination of financial and Internet technology, the Internet, which is based on the open platform of the Internet, it use big data and cloud computing and the Internet to provide technical support, and for e-commerce based on society widely recognized based on the form of financial industry and service system. Internet finance has its own market, product, service, organization and supervision and so on a series of system, and with pratt & Whitney, fragmentation and the characteristics of the platform, information is different from the traditional financial sector.

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As of the end of December 2015, the P2P lending industry in mainland China had a total of 2,593 normal operations, up 64.63% from 2014. In 2015, the new online platform added 1917, with an average of nearly 159 new platforms. Compared with the number of platforms in the previous years, although the growth rate of the number of platforms tends to decrease year by year, the total number of operating platforms in the industry is still growing rapidly.

In accordance with the development of such scale and hot doesn't begin to describe the market reaction, attached to the IT industry in our country since the 21st century the eruption type growth of the legacy of a large market and human resources, found out the financial this for a long time to play an important role in the economic market of combining site, has given rise to a large number of Internet financial practitioners.

This is bound to lead to Internet financial market as a whole quality is not assured, that there are many nominally, unqualified platform, or it is the purpose of holding the financial fraud and involved in the industry platform, such as the end of 2015 when e rent treasure using Internet finance fraud cases, the illegal fund-raising 50 billion yuan, to investors, market and society caused great damage and harmful effects, also let investors trust for the Internet financial big discounts. The reasons for such a regrettable result can be reflected from the nature of Internet finance.

The essence of Internet finance is finance, not the Internet, which is the core of the problem. The emergence of the Internet just provides a more convenient financial services platform, can make the implementation does not have the function of the once, like pratt &whitney for public investors and fragmentation, and the traditional finance service to have bigger capital investors are quite different, but the Internet doesn't change the nature of financial "value creation".

Financial activities to create value for its participants: investors and lenders in the financial activities have can expect the real value of the dependent on financial institutions and financial markets play a role of the corresponding normal, this is inseparable from the operators, managers and participants to have professional knowledge and skills, have thought of the requirements of high on talent.

Right now, the concept of the Internet financial, has developed to the point of "everyone can make" financial, and their perception of itself to the financial almost to zero: some people think that investment is bound to bring in investors' benefits, there are those who understand financial as alternative gambling; The financiers themselves do not have a project for themselves, just to make money and then plan. This is all very immature, childish and ridiculous.

From this point of view, the essence of Internet finance can not support its own rapid development, otherwise there must be many hidden dangers, it needs intensive cultivation. The fact proved that, 2015 years the 11-member cartel is high in November 2610, December due to new problems platform significantly more than the new online platform, make the normal operation of December platform total negative, this kind of phenomenon is unprecedented in the history of the industry.

Since the essence of Internet finance is finance, its meaning still lies in serving the real economy, but in the process of service, the Internet's wings are plugged in.

Under the blessing of the Internet, the Internet can be more inclined to financial services in the real economy individuals, institutions and platform for ordinary people as the object of financial activities, let them enjoy the convenient, easy to operate, transparent, and low cost of financial services, at the same time we must give full play to the advantages of the Internet in the information dissemination, clearly shows the details of the services and products, with simple and popular way for investors to understand oneself as far as possible in the financial activity is doing, in financial activities to enhance the quality of investors.

After financing investment links will ensure the quality of the project, the investor's investment policy in the service of the real economy, rather than chasing the high heat, fry money, through the speculation on the market. This is the practical measure that Internet finance should pay attention to in finance.

The nature of the Internet also profoundly affects the industry, and practitioners should give full play to their characteristics. The Internet apart from its high-tech features, it also contains the spirit of "public", from the public and serve the, partly eliminate the difference threshold, holding a fair and open manner.

Internet financial should uphold the idea, its own Internet platform is convenient, flexible and low cost advantage, creating and providing cheap, low threshold of financial products and services, let common people and small micro enterprise benefit, through the small and medium-sized customers, firmly grasp the advantage to seek a more long-term development.

Therefore, simple, low cost and wide audience are the core competitiveness of Internet finance, and the advantages are obvious and should be used reasonably. Need to point out that is run counter to the concept of the Internet financial interest rates, high yields will bring investor doubts about product, and high interest rates as a result of the Internet financial flexibility, easily associated with illegal fund-raising is involved in, need to be attention.

To sum up, the rapid development of Internet financial is the product of can meet the demand of era, although it has a certain weight on the traditional financial industry, make the traditional financial institutions felt the unprecedented pressure, but it is also the impetus for progress of industry, and the Internet into the financial world is not the purpose of occupation squeeze the living space of traditional financial institutions, but to indicate the direction of the future development.

Internet finance practitioners should keep a cool head in an overheated market and realize the nature of the industry. Must be aware of the current industry there is a high excess returns are the underlying trigger explosive industry development, and is accompanied by high yield high risk tend to be ignored, this part of the profit is dangerous and could not have for a long time, because it is the premise of existence is the lack of regulation, and this regulation will eventually reach the designated position, chaos caused by the unreasonable growth will hurt industry and investors.

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