The Internet financial concepts, features and functions
The concept of the Internet financial.
After years of development, Internet companies stay in business does not provide technical support to financial institutions and service level, the data accumulated through the depth of mining information, to expand our business to the financial sector, build financial models and Internet become the emerging field of combining information technology and capital. Internet financial model is different from indirect financing of commercial bank, it is also different from direct financing capital market's third financial financing model. From the perspective of the financing mode of Internet financial mode in essence is a kind of direct financing mode. But compared with the traditional mode of direct financing, Internet financing model has a large amount of information, lower transaction costs, high efficiency, etc. Adopt appropriate the Internet finance is a kind of financial model in the information age. The author believes that the Internet finance is based on modern information technology in financial activities, with functions of financing, payment and transaction intermediary.
The characteristics of the Internet financial.
Availability of financial resources. Financial exclusion is defined as: people in the financial system lack a condition in which the share of financial services, including the social vulnerable groups in the lack of ways or methods is close to financial institutions, as well as in the use of financial products or financial services exist difficulties and obstacles. The current management mode, the traditional commercial Banks unable to efficiently deal with small companies, and part of the individual customer's business requirements, lead to the financial exclusion of certain customers .Internet financial mode, the customer can break through the geographical restrictions, on the Internet looking for financial resources, alleviate the financial exclusion, enhance the level of social welfare.
Trading the relative information. The traditional financing mode, the financial institutions to obtain investment enterprises, especially small micro enterprise information cost is higher, income and cost does not match. Internet financial generation and dissemination of information through social network, any enterprise and individual information will contact with other subjects. Both parties to collect information via the Internet, can be more comprehensive understanding of a business or personal financial and credit situation, reduce the information asymmetry. When loan default object, Internet financial enterprises through public default and reducing rating information, increase the cost of default.
The allocation of resources to mediation. The traditional financing mode, the money supply and demand both sides information often don't match. Capital demanders can't get the money in time to support at the same time, capital suppliers also can't find good investment projects. Internet financial mode, the money supply and demand both sides no longer need the intermediary institutions such as Banks or exchange set, can be done through the network platform to information screening, matching, pricing and trading, disintermediation effect is obvious.
The Internet financial function.
The platform function Financial enterprises establish the platform of network financial via the Internet, customers can choose the suitable financial products, just move your fingers, which can carry out payment, loan, investment, financial activities, such as convenient and quick, from running errands, and waiting for customer.
The allocation of resources (i.e., financing) function. Internet financial is essentially a way of direct financing. Internet financial mode, we can easily check counterparty transaction records; To find the right risk management tools and risk diversification; In-depth analysis the data by information technology, comprehensive and in-depth master competitors information, improve the efficiency of resource allocation. As the Internet financial model, the concept of "since the financial" arises at the historic moment.3, payment function. Internet financial mode, between merchants and customers to pay by a third party to complete, convenient, efficient, lower cost. The third party payment or will weaken the commercial bank, the status of the traditional payment platform. At present, the people's bank of China for about 200 third-party payment companies issued payment business license. In 2012, our country third party online payment market size of 3.8 trillion.
Information gathering and processing. Traditional financial mode, the information resources dispersed, confused data is difficult to effectively handle the application. Internet financial mode, people use "cloud computing" principle, information asymmetry, the pyramid can be flattened, realize the standardization of data, structured, increasing the service efficiency of the data.
Second, the internet's influence on the traditional commercial banking financial mode to review the financial strategy, to adapt to the challenges of the Internet financial model. The emergence of the Internet financial model for small and medium-sized bank provides an opportunity to compete with the big Banks. If you can make good use of this model, the positive innovation, will catch up with the big Banks in some emerging business, the formation of competitiveness. Traditional banking may be because of the Internet financial model change in the competitive landscape. Some Internet companies have not satisfy only do third-party online payment platform, but with the advantages of data accumulation and information mining, directly to the supply chain, small micro enterprise credit financing expansion, the future may impact th
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