Internet finance, where is the way to make money? What does Internet finance do?

Modern information technology, represented by the Internet, especially mobile payment, cloud computing, social networks and search engines, will have a fundamental impact on the existing financial model. It is possible to form a third financial operation mechanism that is different from the indirect financing of commercial banks and the direct financing of the capital market, which the industry calls the "Internet finance model". So when traditional financial services are combined with emerging Internet technologies, what kind of chemical reaction will be generated?

Under the Internet financial model, the bank payment system has undergone a fundamental transformation, all individuals and institutions open accounts in the payment center of the bank, and the payment and transfer of financial assets such as cash are carried out through the mobile Internet network, and the payment and clearing are completely electronic. Of course, this payment system will not subvert the current system of unified issuance of credit money by ** banks. From the point of view of subdivisions.

The trend of Internet + is intensifying, such as M+ public benefits, under the impact of the Internet and e-commerce, constantly following the pace of the times, and in the field of Internet finance, Internet finance has blossomed in all directions, especially in financing loans, credit card consumer services, bookkeeping and financial management, payment, insurance and other subdivisions, entrepreneurs or investors have entered. Look! o(oThank you!)

If you spend some money, you won't know that bank is doing publicity.

Internet finance refers to a new financial business model in which traditional financial institutions and Internet enterprises use Internet technology and information and communication technology to realize financial integration, payment, investment and information intermediary services. Including: third-party payment, the most important representative is Alipay, Tenpay (WeChat payment) such as online payment, P2P, Lufax, Renren Loan, personal lending platform, information financial institutions, so that the public can enjoy the original offline services on the Internet.

Internet finance is not a simple combination of the Internet and finance, it is a new model and new business to adapt to new needs in order to achieve a safe and mobile network security level, and it is an emerging field of model change.

The rapid development of the Internet, and the function of the Internet step by step to improve, to achieve network resource sharing, which is a huge impact on the traditional financial system, Internet finance is based on Internet technology, which has obvious advantages for commercial banks, so that commercial banks to enter the Internet industry, to achieve the use of structured data from all angles, such as cloud technology, AI technology, credit risk analysis and other major financial innovations, through such big data, step by step to replace traditional finance.

Internet finance gives full play to the advantages of the Internet, uses broadband wireless technology to reduce financial transaction costs and information processing costs, etc., and the Internet can match all aspects of supply and demand according to its own needs, making it more flexible and effective, and the time required is also greatly reduced, which is particularly important for the financial industry that is racing against time.

The transparency and integration of Internet big data will make the credit status, assets and capital of all kinds of users clear at a glance, which is a huge impact on traditional commercial banks. Internet technology can greatly reduce the investment of manpower and financial resources, reduce information problems, and the Internet can more refine transaction information and financial customer information, so that the overall efficiency is more efficient. The role of the emerging Internet in the entire transaction chain is that the market is more integrated, which can bring consumers a better experience and create higher value.

The 2018 online loan declaration is just around the corner, and many investors have doubts about the prospects of the mutual aid industry at this stage. What is the future of online finance?

At present, there are three important development trends in online finance around the world.

1. Mobile payment replaces traditional payment services.

As the penetration of mobile devices surpasses that of formal financial institutions** and self-service devices, as well as the combination of mobile communications, the Internet and finance, the total value of global mobile payment transactions reached US$105.9 billion in 2011, US$616.9 billion in 2016, and continued to increase in 2018.

Second, mass financing has replaced the traditional business.

Crowdfunding is one of the most popular entrepreneurial directions abroad in the past two years. In April 2012, the United States passed the JOBS Act, which allows small and medium-sized enterprises to obtain ownership capital through collective financing, which replaces some traditional ** businesses.

In the future, Internet finance will be integrated with big finance to achieve the same resource allocation efficiency as the current direct and indirect financing, greatly reduce transaction costs, simplify operations, and provide one-stop services while promoting economic growth.

3. P2P micro-loans replace traditional deposit and loan business.

To a certain extent, the development of P2P micro-loans has solved the problem that traditional financial institutions have failed to effectively solve the financing difficulties of small and medium-sized enterprises, modern information technology has greatly reduced information asymmetry and transaction costs, and the development of financial science and technology has developed peaceful wind control methods.

From the perspective of the management and support of online finance, it also reflects the importance of the industry.

The online financial supervision system is gradually improved, the supervision is standardized, and the future compliance operation is the foundation for the sustainable development of the enterprise. Since the promulgation of the Interim Measures for the Supervision of the Online Finance Industry for the first time in 2016, China's online financial market has increasingly returned to the essence of inclusive finance under the high-pressure attention of supervision. In 2017, the supervision of the financial sector is still in force, and a number of measures and a series of intensive supervision measures have been adopted to restore the track of serving the real economy, and inclusive finance has developed rapidly.

The increasingly strict, more detailed and more comprehensive supervision policies send a strong signal that compliance is a necessary prerequisite for the development of the platform and the foundation for consolidating the development of online finance. After the previous brutal development, the core competitiveness of the Internet financial platform is no longer a simple high interest, but the degree of compliance of the platform, which will become an important way for the platform to attract investors and enhance user stickiness.

At present, filing has become a must for mutual fund platforms to achieve compliance development. Who can become the first successful mutual aid platform, who can occupy the first-mover advantage, and become the embodiment of the platform's victory and transcendence.

In short, the future development trend of online finance, the practice of compliance is very important, at any time the development of enterprises should adhere to compliance as the main development principle, strengthen risk management, improve the ability to identify and solve risks, help to practice corporate social responsibility, in the realization of inclusive finance on the road to more stable and farther.

With the rapid development of Internet finance, financial network security has also attracted more and more attention from the Xiangzhi blind rush department. What about online finance?

After the Internet entered thousands of homes, many individuals and enterprises have put their products and stores online from the initial physical products to the current virtual products.

Each platform has its own rules, so it is recommended to understand them in advance.

One god wheel, safety.

When the product first started to emerge, it was generally represented by banks or related ** organizations to provide convenience and income to those who needed it. On a larger platform, better reputation products have some security risks, and when making network investments, it is recommended to carry out real-name authentication, ** security tools, and set up advanced insurance for accounts according to requirements.

2. Platform. When choosing a platform and product, you must decide according to your own investment ability, and you must also understand the details of the platform's benefits, tips, transfer time limits, and handling fees in advance. In the case of uncertainty, it is not recommended to participate in unfamiliar platforms at will.

3. Funding. Most of the time, we think we can invest as long as we have some spare money. The idea is to remember not to put all your money on the platform or in an account.

In addition, different platforms have different revenue points, which need to be considered in many aspects, and more understanding and reinvestment.

Now that people's lives have improved and they have their own private money, these small money can bring small benefits from small investments, but if you don't know that the network has network rules and risks, you can take a look at it first, and then start to operate to ensure the safety of your account.