Is there a future for the internet finance industry? Can you elaborate on that?

In 2017, it will become a trend for mutual finance platforms to seek collective transformation, especially in the context of stricter supervision, similar to the requirements of fund depository system and filing system, most platforms are not able to complete these compliance rectifications, and can only bypass them through transformation.

According to the 2016-2022 China Internet Finance Industry Market Research and Development Prospect Report written by IPACS Market Research Center, in 2017, in the context of stricter regulation and intensified competition, the mutual finance platform will look for new breakthroughs to highlight the platform's own advantages and strengthen its industry competitiveness. Obviously, blockchain, big data risk control, and big data credit will become a new breakthrough point. Therefore, technology-driven will also become a major trend in the development of the mutual finance industry in the future.

Internet finance is a useful supplement to China's traditional finance, and has made great progress in recent years with the strong support of the highest level of finance, and has contributed to the take-off of the real economy together with traditional finance. Compared with the traditional financial industry, although the Internet finance and other emerging formats have a series of characteristics such as technological innovation, product innovation, and process innovation, their own development history is relatively short, the accumulation of experience in serving the real economy is relatively insufficient, and the ability to serve the real economy is relatively limited.

1. Is the employment prospect of Internet finance major?

The financial industry has always been a popular profession, the global capital operation is rapid, and the development of the Internet has also broadened the new situation of financial support. The Internet finance major combines economic knowledge with Internet knowledge, and both the Internet industry and the financial industry are a new world that needs to be developed urgently.

The starting salary level in second- and third-tier cities is about 4,000 yuan to 5,000 yuan, and the starting salary in first-tier cities is more than 10,000 yuan.

Internet finance majors have broad employment prospects in the future, and can be qualified for the work of traditional financial institutions, such as banks, insurance and insurance departments, enterprises and institutions; It can also adapt to the requirements of emerging Internet financial enterprises, such as third-party payment companies, Internet financial platforms, etc., and can also start their own businesses and be admitted to graduate schools for further study.

There is a huge demand for talents in the Internet finance industry, so the employment prospects of this major are very broad. Because the traditional training methods used by universities to cultivate talents are academic and research-oriented, they cannot meet the needs of the industry. In order to meet the market's demand for practical and technical Internet finance talents, the University of International Business and Economics, the International Software College of Wuhan University, Hebei Software Vocational and Technical College, Shandong Women's University and other universities have jointly established this major and cultivated a large number of technical and application-oriented talents.

Which is more promising, the Internet industry or the financial industry? I think the Internet industry should be more promising at the moment. Because the fiber cherry blossom is a mutual destruction cluster, the networking industry needs a large demand for talents.

At present, the number of talents in the domestic Internet industry cannot meet the demand, so Xianzhou is in short supply.

And the financial industry. Although promising. But.

What our country needs now is. Preference for high-end talents. And high-end talents.

The demand is not very high. And talent in this area. It's not much, but it's still there.

There are more low-end talents. So. The Internet industry is more promising.

As a popular major at the moment, the major of Internet finance is still very good, I heard a friend of mine tell me, so I will share it with you below.

Professional training objectives.

This major cultivates high-quality technical and skilled people with all-round development of morality, intellect, physique and aesthetics, good professional ethics and humanistic qualities, basic knowledge of economics, finance, Internet finance and information technology, Internet financial business operation and service marketing capabilities, and engaged in front-line business operations, product marketing, payment and settlement, system operation and product maintenance, e-commerce, investment and financial management, credit investigation, loans, risk management and other work of Internet finance.

Direction of employment. Mainly for traditional financial institutions such as banks, insurance, trusts and new Internet financial enterprises such as Internet banks, third-party payment companies, P2P companies, etc., engaged in front-line business operations, product marketing, payment and settlement, system operation and product maintenance, e-commerce, investment and financial management, credit investigation, loans, risk management, etc.

The market scale has achieved rapid growth

In recent years, the domestic automobile consumption demand has become increasingly strong, the financial demand of all parties in the automotive industry chain has been increasing, and the scale of the Internet automobile finance market has increased year by year. Statistics show that in 2018, the market size of China's Internet auto finance was 100 million yuan, and in 2019, the market size of China's Internet + auto finance market was about 100 million yuan.

With the popularization of the Internet and communication technology, Internet auto finance has become a blue ocean for many institutions to compete. At present, a number of Internet companies in China have been involved in the auto finance industry, mainly in auto insurance, auto loans, auto financial leasing, and second-hand car consumer loans.

With the gradual change of mainstream consumer consciousness to advanced consumption, the demand for credit consumption of durable goods such as 3C electronic products and automobiles with consumer finance as the core is increasing. From the perspective of development model, the development model of Internet + auto finance mainly includes C2C integrated service platform model, auto e-commerce model, auto manufacturer model, auto finance P2P model, giant comprehensive model and dealer model.

There is huge room for the development of Internet auto finance

At present, the traditional auto finance business is facing two major opportunities: one is that the micro-growth of the auto market has become the new normal, and the profit of new car sales is getting lower and lower, both car companies and dealers have begun to shift their business focus to the aftermarket, and the other is that the consumer group of automobiles is getting younger and younger, and the proportion of mobile Internet is getting heavier and heavier, and the use of Internet technology to actively explore the market has become the future development direction of the auto finance industry.

Compared with online auto finance, traditional auto loan approval is relatively slow, the review materials are more cumbersome, and the down payment is higher. The forward-looking analysis believes that the future integration and development of companies in the banking, e-commerce and auto finance professional services industries will be the main trend of the future development of the industry. It is expected that by 2025, China's Internet + auto finance will exceed 1.5 trillion yuan.

——Analysis of the market status and development trend of China's fintech industry in 2023 The traditional financial model has entered the development of new business formats

Major listed companies in the industry:Hang Seng Electronics(; China Information (; Yusys Technologies(; Xinyada (etc.)

existing problems in China's financial system; China Fintech Product Certification Catalogue (No.

1st and 2nd batches) product type; The extent to which fintech and digitalization are being applied in China's financial industry.

Fintech can effectively solve the problems of traditional finance

Compared with many developed countries, China's financial system has problems such as weak foundation and late start. The specific questions are as follows:

From the perspective of the role of financial technology, the development of the financial technology industry can help the financial industry to better provide services for small and medium-sized enterprises, because it can use digital technology to overcome the difficulties in customer acquisition and risk control. In addition to this, the customer's activities on the platform, including events, socializing, shopping, payments, etc., leave a digital footprint. The platform uses the big data accumulated from the digital footprint to conduct credit risk assessment to determine the probability of default of the borrower.

Fintech products are based on traditional finance

As of March 2023, China's fintech products mainly include client software, security chips, security carriers, embedded application software, bank card automated teller machine (ATM) terminals, payment point-of-sale (POS) terminals, mobile terminal trusted execution environment (TEE), trusted application (TA), barcode payment acceptance terminals (including code display equipment and code scanning equipment), voiceprint recognition systems, cloud computing platforms, blockchain technology products, There are 14 sub-products such as commercial bank application programming interface products and multi-party secure computing financial application products.

The banking industry is accelerating the application of fintech in the industry

Due to the many benefits that fintech can bring to traditional financial institutions, major financial institutions are currently in the stage of accelerating the layout of fintech. From the perspective of the layout of traditional financial institutions in the fintech industry, the digitalization process of the banking industry is accelerating. According to the data of the China Banking and Insurance Regulatory Commission, the total amount of technology investment of the six major banks in 2022 will exceed 100 billion, and the total investment amount will increase year by year.

In addition, the asset management and insurance industries are also accelerating the pace of the layout of the fintech industry. According to the comprehensive scores of the surveyed companies in the 2021 China Fintech Chief Insight Report, the banking industry has the highest average score in terms of the degree of application of fintech and the progress of digital transformation, followed by the asset management and insurance industries.

Note: The scoring range is 1-5 points; Other subdivisions include, wealth management, insurance asset management, etc.

A new form of financial technology

The birth of a new model under the development of the financial technology industry is giving birth to a new form of business, which allows consumers to get more payment options and financial wealth management products, and for the industry, it makes the traditional financial model enter a new business format

As far as the omission is concerned, the Internet finance industry is still good.

1. The state is vigorously developing the Internet economy and advocating the Internet.

2. Now the real economy countries are also vigorously advocating, and some trends in the future are the real economy plus the Internet economy, and the two develop together and coexist with each other. The Internet economy needs the support of the real economy, and the real economy also needs the Internet to publicize or spread.

3. The Internet finance industry coexists with the Internet, so as long as the Internet economy will not decline, then this industry has always had the potential for development.

Internet finance (ITFIN) 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 financing, payment, investment and information intermediary services. Prospects for Internet Finance:

1. With the advent of the "Internet +" era, Internet financial talents have become the focus of competition in various industries and enterprises.

2. Shiqin Internet finance is a cutting-edge emerging field, which requires interdisciplinary comprehensive talents who understand IT technology, Internet thinking and reformed finance, and traditional financial and IT technology talents cannot meet the needs of the industry, resulting in a large number of talent gaps. Hebei Software Vocational and Technical College is the earliest college in Hebei Province majoring in Internet finance.

3. The rapid development of the Internet finance industry caused by big data and cloud computing.

4. Internet finance is the future trend of financial life that every nuclear nucleus is inseparable from.

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. Is the prospect of online finance good?

At present, there are three important development trends in the world's online sales distress finance.

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 can effectively solve the financing difficulties of small and medium-sized enterprises, and modern information technology has greatly reduced the asymmetry of information and transaction costs, and the development of financial science and technology has developed peaceful wind control means.