Technical attributes refer to the application and combination of technologies such as mobile communication, big data application, social network, search engine, cloud computing, blockchain and artificial intelligence.
Internet products need to tap the essential demands of users, that is, the so-called thinking framework when designing product functions. The essence of finance can be summarized as two sentences and six words.
? Credit is the lifeline of finance, and credit is the basis of leverage. Once there is credit, there will be overdraft, overdraft will have leverage, and leverage will create risks. The essence of finance is to grasp the "degree" of the three and design a leverage ratio with reliable credit, low risk and less bad debts.
? Credit financial institutions should have credit themselves, and enterprises or individuals that finance financial institutions should also have credit.
? Lever? Bank loan-to-deposit ratio, futures trading, stock market margin trading and so on are all leverage ratios, and the essence of all financial innovations is to amplify leverage ratio.
? The higher the risk leverage, the higher the risk, and even lead to financial crisis. To prevent and resolve financial risks, it is necessary to "de-leverage". The risks are classified as follows:
With the continuous popularization of mobile terminal and Internet technology, electronic payment channels led by Alipay, WeChat payment and UnionPay have penetrated into every user's daily life and gradually become an untouchable part.
Tripartite payment refers to online payment, prepaid card, bank card receipt and other payment services determined by the People's Bank of China provided by non-financial institutions as the payment intermediary of the payee and payer.
Traditional e-finance business mainly includes online banking, mobile banking, mobile payment and internet securities.
Internet-based innovative financial service models include direct banking, smart banking and innovative service products such as banks, brokers and insurance.
The financial e-commerce model is the e-commerce platform of various traditional financial institutions represented by CCB's "Shanrong Business" e-commerce financial service platform and Taikang Life Insurance e-commerce platform.
Internet financial portal refers to a platform that uses the Internet to provide information collection, search, comparison and sales of financial products, and provides third-party services for the sales of financial products. Internet financial portals can be divided into three categories: third-party information platforms, vertical search platforms and online financial supermarkets.
The third-party information platform is a portal website that provides comprehensive and authoritative industry data and information, and the typical representatives are Online Loan Home and He Xun.
The vertical search platform is a vertical search portal focusing on financial products, and consumers can quickly search related financial product information on the portal. Typical representatives are Rong 360 and a lender.
The business form of financial supermarket is online shopping guide, which provides direct purchase matching. Therefore, such portals gather a large number of financial products, use the Internet to sell financial products, and provide related third-party services. Typical representatives are Datong.com, Geshang Finance, 9 1 Financial Supermarket and Soft Exchange technology and finance Supermarket.
? Crowdfunding can be divided into public fund-raising or public fund-raising, which refers to the mode of raising project funds from netizens in the form of group purchase and pre-purchase. Compared with traditional financing methods, the essence of crowdfunding lies in small amount and large amount.
? Personal-to-personal lending relies on the Internet, mobile Internet technology, online credit platform and related financial behaviors and services.
Big data finance refers to relying on massive and unstructured data, carrying out professional mining and analysis of its data through information means such as the Internet and cloud computing, and innovatively carrying out related financial management work in combination with traditional financial services.
Take the "Golden Ticket Pass" platform as an example, it directly connects enterprises and investors who need financing by issuing bill financing products, and realizes "financial disintermediation" in the bill field.