What are the advantages of Internet finance?

Relying on the development of big data and e-commerce, Internet finance is a useful supplement to the traditional financial industry, while P2P online lending relies on the Internet, which plays an indispensable role in promoting the sunshine and standardization of private lending.

1. Low cost.

Under the Internet finance model, the supply and demand of funds can complete information screening, matching, pricing and trading by themselves through the online platform, without traditional intermediaries, transaction costs and monopoly profits. Therefore, P2P online loans and other forms of investment can provide traditional financial institutions with several times the income of wealth management, and it is understood that the income of P2P company wealth management products such as Jiaye Investment can reach 12%. With the help of the Internet, there is no need for investment and wealth management customers to pay for the operating costs of opening business outlets in traditional financial forms.

2. High efficiency.

Internet finance business is mainly processed by computers, the operation process is completely standardized, customers do not need to wait in line, business processing speed is faster, and the user experience is better. Taking Jiaye Investment P2P as an example, if a lender wants to take out a loan, he only needs to take three steps: register, publish the loan target, and wait for the bid.

Generally, the loan can be disbursed on the same day. Lenders no longer have to put up with the "procrastinating and inefficient" way of doing things in traditional financial institutions, and the history of applying for a lump sum of money for months without movement will be a thing of the past.

3. Wide coverage.

Under the Internet finance model, customers can break through the constraints of time and geography and find the financial resources they need on the Internet, providing more direct financial services and a wider customer base. Let's take small and micro business owners borrowing as an example. In China's traditional form of finance, there are only two channels for lenders to lend, one is bank lending, and the other is private lending.

However, no matter what form you want to borrow, you must first go to the business location to go through a series of registration and audit, which brings trouble to some areas where the financial system is not very developed. When Internet finance emerges, this problem is completely solved, P2P online lending replaces traditional private loans, no matter when and where, turn on the computer, enter the lending platform, and register a number to complete the loan.

4. Rapid development.

In recent years, relying on the development of big data and e-commerce, Internet finance has grown rapidly. In particular, P2P online lending has detonated the Internet financial boom! According to a national P2P online loan data provided by the China P2P online loan index research group recently, the current daily turnover of P2P online lending in China is about 400 million yuan, with an annual growth rate of more than 300%.

P2P platforms are not limited to a few such as Jiaye Investment, and their number is growing at a rate of 2 to 3 a day, but online loan analysts said that the surge in the number of P2P platforms has provided investors and borrowers with more choice, but it is also more difficult to select the best of the rough. When choosing a P2P platform, it is recommended that you first consider a platform that has been established for a long time and has relatively strong strength.

Compared with banks, Internet finance has a lower threshold and higher returns. Not bad money is good. Using third-party fund custody, the platform does not touch the funds and does not engage in capital pools!

It is very safe, the annualized income of 12%-18% is also within the scope of the policy, and the project is 30-90 days, and the cycle is flexible. You can invest 100 yuan. You can start with a small test pitch to get a feel for it.

What are the advantages of online finance in fully supplementing traditional finance, effectively using network technology, developing online financial platforms, and fully integrating and expanding existing entity businesses?

Diversify to meet the financial needs of users.

In the traditional model, many people provide excess funds and there are many borrowers who need funds, both of which are done through bank intermediaries. If someone wants to apply for a personal unsecured loan, the traditional method is for the borrower to consult various banks, carefully compare various loan information, and finally choose a certain bank to apply. Borrowers applying for a mortgage need to go to the bank several times**, and the loan can be realized in an average of one month.

On an online asset management platform such as a housing loan, the borrower can apply for a mortgage loan and submit relevant information to obtain a loan in about 3 days, which greatly improves efficiency.

More transparent information.

Through social networks or e-commerce platforms, you can mine all kinds of finance-related information and obtain information that has not been fully disclosed by some individuals or institutions. For example, Alibaba, which is currently familiar in China, can solve problems such as credit ratings, transaction fees, and risk assessment of platform users through its huge e-commerce platform. In the future, you can record and view transaction records, evaluate personal credit ratings, analyze property status, consumption habits, etc. through the Internet in a timely manner.

These are advantages that traditional financial institutions cannot achieve at low cost.

Transform the way you trade.

Internet finance can obtain information on both sides of supply and demand in a timely manner, form a time-continuous and dynamically changing information sequence through information processing, conduct risk assessment and pricing, and replace cash flow with transaction payment methods as the center. It avoids the trouble of traditional banks needing to hold a certificate and waiting in long lines to pay.

The procedure is simple and the number of participants is wide.

Compared with traditional consumer finance, there are fewer varieties of general consumer credit business, and most of them are housing loans, automobile loans, credit card business, etc., and the existing unsecured and unsecured small consumer credit business of traditional consumer goods has many problems such as small scale and good excavation, troublesome procedures, low degree of specialization, and low efficiency.

1. You can get more investment information through the Internet. There is a lot of information on the internet, and the same is true about investing. You can publish what you need in front of the chain, and others can also choose which investment to make according to their own situation.

2. It can better meet everyone's investment needs. Through the Internet to choose, directly publish the information, the investment information is more transparent, and through the engine search shed only clear method, can achieve better retrieval, by entering the needs of customers, you can automatically list the investment methods that meet customer requirements. Such targeted searches can greatly improve efficiency.

It is not only beneficial for investors, but also convenient for intermediate investment platforms.

3. It is a change in the way of trading. It has departed from the traditional transaction model, the cost of Internet operation is generally low, and the requirements of both parties are satisfied, so that in the case of the above efficiency improvement, both parties are more resource-saving and can finally realize the profits of both parties.

In short, under the current development situation, Internet finance will definitely develop better, and more and more people have chosen this investment method. But in the process of investment, we must also be vigilant, after all, investment will always be risky, we must choose well when choosing.

1. Low cost: Users who choose Huaiducong Internet financial business can directly contact financial institutions through the Internet, without the need for intermediaries to provide related services, which saves intermediary fees;

3. Wide coverage: No matter where in the world, as long as there is the Internet, Lead Sakura can handle Internet financial business;

4. Rapid development: Internet financial business and Internet technology are developing simultaneously, and big data has also promoted the development of Internet finance.

Generally speaking, Internet finance is a new way of financial services to realize the online handling of financial business through Internet technology. The English name of Internet Finance is Internet Finance, so it can also be abbreviated as ITFIN. The emergence of Internet finance can be said to be an inevitability.

In 1990, China began to develop the traditional financial industry on the Internet. Since 2012, China's internet finance industry has shown a more diversified development pattern.