浅谈互联网金融模式-英国Essay范文－r51due

英国essay论文精选范文：“浅谈互联网金融模式”，这篇论文讨论了互联网金融模式。互联网金融是传统金融行业与互联网进行相结合的新兴领域。随着互联网与金融服务深度融合，带来了全新的市场参与者及创新的金融服务模式。在这种创新模式下，银行、券商和交易所等中介都不起作用，贷款、股票、债券等的发行和交易，以及券款支付都可直接在网上进行，市场信息不对称程度和交易成本大大降低。

Internet payment is through the computer, mobile phones and other equipment, relying on the Internet to initiate payment instructions, transfer of funds services, its essence is a new third-party payment agencies as an intermediary, the use of Internet technology between the payer and payee funds Transfer service. In 2010, the central bank issued "non-financial institutions to pay service management approach", part of the private third-party payment business license, officially get rid of "gray area" embarrassment, at the same time UnionPay force third party payment, third party payment competition situation more For complex.

According to the payment method: First, the network bank direct payment, the major banks to launch Internet banking services as the first accepted Internet payment by the user to the Internet banking application, the bank money directly to the business name of the account , Directly to complete the transaction, it can be said that the traditional "single-handedly pay the primary delivery" type of transaction model completely copied to the Internet. Second, third-party agencies to support payments to ChinaPay, super online banking as the representative. In addition to users, merchants and banks will also be third-party participation, but with the third-party payment platform is different in this payment, the user does not have a third party in an independent account, the third party The role played by more emphasis on the transaction in order to make the two sides more convenient and efficient existence. To super online banking, for example, super online banking is the 2009 central bank's latest research and development of standardized cross-bank online financial services products. Through the construction of "one point access, multi-point docking" system architecture, enterprise "one-stop" online cross-bank financial management, is to facilitate corporate financial management for the purpose of financial services products. Third, Alipay, TenPay, led by relying on its own B2C, C2C e-commerce site to provide security capabilities of third-party payment model. Third-party payment platform is a number of products and countries where foreign banks signed, and have a certain strength and credibility of protection provided by third-party independent trading support platform. In the transaction through the third-party payment platform, the buyer to purchase goods, the use of third-party platform to provide payment for the account, the seller informed by a third party to pay the purchase price, the buyer goods inspection, you can notify the payment to the seller , The third party transfers the funds to the seller's account. So buyers and sellers are required in the third-party payment platform has a unique identification logo, that account number. Third-party payment can provide sufficient security for buyers and sellers.

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According to EnfoDesk published in the second quarter of 2011 China third-party payment market quarterly monitoring report shows that the second quarter of 2014, China's third-party payment market Alipay, La Kara and TenPay to 79.55%, 7.73% and 7.34% Ranking the top three markets, in which WeChat to pay the size of financial transactions through the decline, so that TenPay in the mobile payment market share ranking dropped to third place, and Lakala with its industry customers and mobile phone swipe card device shipments Increase, to rise to the second position.

2. The network financing mode is a kind of new fund borrowing mode under the Internet technology. Network financing breakthroughs in the traditional market space and time constraints, so that small micro-customers "anytime, anywhere" to achieve the loan application, through e-commerce trading platform for customer information, credit operations, online operation, full integration of banking system resources, E-commerce platform system resources and logistics company's resources, to achieve information flow, logistics and capital flow three-stream one. Network financing model, there are large data finance, P2P financing, public financing three models.

Big Data Finance is a typical example of the Internet finance carried out by electronic business platform. The operation model can be divided into the platform mode represented by Ali Microfinance and the supply chain financial model represented by Jingdong and Suning. With the expansion of electronic business platform and category, more and more suppliers, will face the problem of financing difficulties, so the establishment of small business credit providers to help small micro-financing to solve the problem. Alibaba, Jingdong, Suning and other electricity giants have become a platform for electronic business loans to financial companies. The platform can control the financial risk more than the bank information superiority, the electricity business platform to grasp the capital flow, logistics and business flow and other multi-dimensional information, cannot control the risk of financial products into supply chain business on the controllable risk. Ali small loan data center centralized processing of Alibaba's multiple platforms of information and data, parallel database, distributed storage, cloud computing and other information technology technology for data mining, Taobao by analyzing a lot of information, such as members in the Alibaba platform On the network activity, trading volume, online credit evaluation, the enterprise's own financial health and so on. This approach is completely different from the practice of banks, is an automatic lending mechanism. Taobao merchant all the acts constitute their own risk pricing, and then Ali risk-based pricing of small loans to its credit line, you can always loan, at any time interest. And ultimately the formation of a dynamic risk pricing process.

P2P simply speaking, is the individual through the network platform for mutual lending model. By a qualified website as an intermediary platform, the borrower in the platform to issue loans, investors bid to lenders lending behavior. P2P network loan biggest advantage is that it makes up for the traditional financial institutions services vacancies, to meet the general wage earners and the majority of small and medium-sized micro-business owners of the financing, borrowing needs of traditional financial institutions is difficult to cover the borrower in the virtual world Can fully enjoy the loan efficient and convenient. P2P company as an intermediary, mainly to provide information consultation, transaction matching, payment and settlement and loan management services. In 2014, P2P network loan industry developed rapidly, P2P network loan operation platform number has more than 1 500, the annual total volume exceeded 250 billion yuan. P2P can be roughly divided into three modes: First, the main line of business, such as the letter should be the company; Second, only to do online business, such as patting loans; third line combined line, the representative is the Renren Loan. Public financing is a new type of Internet equity financing model, translated from the foreign crowdfunding word, that is, public financing or mass financing. Means an act of raising money from the masses to support the initiating individual or organization. Crowds use the Internet and SNS to spread the characteristics of small businesses, artists or individuals to show their creativity to the public, for your attention and support, and then get the necessary financial assistance. The model has a low threshold, diversity, relying on public power, focusing on the characteristics of creativity. Compared to the traditional financing methods, the public is more open, whether the funds are no longer based on the commercial value of the project as the sole criterion. As long as users like the project, can be raised through the crowd to get the project started the first funds for more small business or creative people to provide unlimited possibilities. Crowds of sites in China, the rise of relatively late, in 2011 by the United States spread to China. July 4, 2011, China's first public site - named time on-line, according to its public data, less than two years on the line has received more than 7,000 project proposals, nearly 700 projects on the line, the project was successful Rate close to 50%. Since then, all the chips in our country into the rapid development period.

Internet finance is to obtain financial services and financial information provided by businesses through the Internet, in accordance with changes in the external conditions continue to adjust the form of the remaining assets in order to achieve personal or family assets to maximize the benefits of a series of activities, including online financial information, Financial information analysis, personalized financial program design and related financial products and services transactions. Its prominent feature is that you can get rid of the constraints of time and place, higher yield, more comprehensive information collection, a wider choice, more convenient operation. Compared with the traditional financial management, network financial threshold is low, save time and trouble, fees are relatively low, but also shop around, favored by investors. At present, the Fund every day as the representative of the third-party payment platform for financial institutions has brought together a variety of insurance, funds and various forms of financial products, customers can provide financial products, one-stop service.

Mobile payment can also be called mobile payment. Mobile payment will be terminal equipment, Internet, application providers and financial institutions, integration, to provide users with monetary payment, payment and other financial services. The system for each mobile user to establish a mobile phone number associated with the payment account, its function is equivalent to electronic wallet for mobile users to provide a mobile payment and identity authentication through the means.

Mobile payment is divided into two types of near-field payments and remote payments, the so-called near-field payment is the way to use a mobile phone credit card, shopping and so very convenient. Remote payment is paid by sending instructions or payment instruments with the payment method, such as the palm of the hand to pay the introduction of electricity providers, palm recharge, palm video, etc. are remote payments. Mobile APP applications in the increasingly rich case, the function of mobile payment is also constantly enriched. For example, third-party payment, banks and other competing to launch mobile payment client, two-dimensional code payment, wireless payment, voice payments, fingerprint payment applications. In addition, shopping, financial management, life services and other transactional applications have emerged, greatly enriched the mobile payment market environment.

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