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Essay代写:Online finance

2018-05-11 | 来源:51due教员组 | 类别:Essay代写范文

下面为大家整理一篇优秀的essay代写范文- Online finance,供大家参考学习,这篇论文讨论了互联网金融。互联网金融给我们的生活、学习、工作都提供了巨大的便利。因此,为了互联网金融的长远发展以及金融模式的不断创新,我们必须明确发展的目标,这样才能促进互联网与传统金融行业的融合和发展。另外,我们要想让互联网金融更加快速、稳定的发展,应使互联网金融与其他各个领域的行业加快融合速度,形成互联网金融的多元化模式,从而为我们提供更全面、更优质的互联网金融服务。

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Content along with the development of the Internet financial perspective, it is not entirely out of traditional financial industry feature, the essence of the Internet financial, is a form of traditional financial development in the direction of the Internet. Internet financial model, as the main innovation of traditional financial nature and the traditional financial is the same, mainly on notion and consciousness of innovation, at the same time, the traditional financial model under the background of the Internet is more diversified. According to the China model, and the future development of the Internet financial trends, I think if you want to promote the long-term development of the Internet financial, should make clear the essence of the traditional financial and creative form, can effectively solve the Internet financial in facing various risks in the process of development, promoting China's Internet financial system reform and the development process.

With the rapid development of technology and network, Internet finance has developed rapidly in recent years. Traditional financial institutions, financial model via the Internet and information technology, fully carried out innovation and reform in the sharply, and will be paid for financing and financial business combined with each other, form a new pattern of financial business. At the same time, according to the current development of the Internet financial and usage, Internet financial is not just to join the Internet technology in the traditional financial, but move the security, and network technology as the foundation, combined with the traditional financial pattern make people accept, generated huge demand on the financial model, thus making the Internet financial the birth of a new financial pattern and development.

In our daily life, whether on the Internet shopping or pay the living expenses, can use the net? J payment is easy to finish. Online payment mode of Internet finance is emerging in recent years trade payment mode, using the Internet for monetary transactions, transfer of funds, which also contains a fixed telephone, Internet payment and other payment. In this kind of payment mode, the commercial Banks through their own channels and financial advantage to become an important part of online payment mode, in order to achieve the development of the information network era, the related payment product innovation, commercial Banks and introduce different payment platform will continuously optimize network payment mode. Internet financial development speed, the third-party payment is an important part of them, and successfully occupied micropayments large proportion of the market, one of the main management module is the prepaid card acceptance, issue. In addition to commercial Banks, alibaba as the core enterprise in the field of third-party payment, it has introduced the alipay online payment function of occupies a huge advantage, and in the important position of the third party payment. The development direction of business model become the electronic commerce, and quickly became the main patterns of innovation in the traditional industry, the electricity and all kinds of financial institutions and the convergence speed of third-party payment platform gradually accelerated, and achieved remarkable innovation effect.

The financing platform model can be viewed as a financial intermediary, which is mainly to meet the new Internet financial mode of financing by individuals and small and medium-sized enterprises. Currently, it is widely used by ants and ants, which also become the main mode of network microcredit. Among them, credit loan and P2P lending are the main representatives of P2P credit in China. The main business model is crowdfunding financing, and it has become an important three financing platform Internet mode in China. Microfinance as a platform, the main loan mode, its core content is to store goods platform data combined with small loans to each other, and through the analysis of electricity data and mining, for individuals and small and medium-sized enterprise credit rating after lending. The rise of ants and ants has led to the development of a large number of small loan enterprises. From the current P2P credit enterprise management level, it can be divided into four kinds of management pattern, which is the main representative is used by the appropriate letter of a typical P2P mode, combined credit on behalf of the off-line authentication mode, secure loans mainly to compound type mediation on behalf of the online mode, clap online microcredit loans represent is pure intermediary model.

In the Internet finance of financial management mode, it is mainly related financial institutions to provide financial services and financial products to investors, such as loans, insurance, national debt, etc. The Internet finance of financial management mode is based on the experience of western countries. Through continuous development, it has evolved into a material model of Internet finance which is more in line with China's national conditions. It mainly includes community finance, personal finance and other services. In the above two models, the financial services of the Internet financial services, will carry out in-depth exploration of the customer demand, and make a reasonable financial plan.

The financial industry and other industries, there is strong correlation between the speed of financial innovation in order to strengthen our country and the development of the Internet financial speed, should be the Internet financial industry and other fields. Through effective integration, the industry in various fields can develop together with the platform of Internet finance. The Internet, for example, finance and logistics, there is a strong relationship between the people's livelihood, so can the Internet financial merge with each other, the logistics industry of the people's livelihood, realize to the expansion of business, will make a rational allocation of resources and ensure the comprehensive benefit maximization.

The development speed of Internet finance is increasing constantly, and it is also facing the problem of the increasing number of users. Among the user groups, there are great differences. If the Internet financial operation platform does not make great innovation and improvement, it will have an impact on the Internet financial quality service of the user group. , therefore, will the Internet platform to build more perfect, and promote the traditional financial mutual fusion and innovation, and the Internet to meet the different needs of users, in the financial operation process to get the required information on the Internet. In addition, will the Internet financial operation process and operation content escalating, help users can better to complete the operation, improve efficiency, to boost the Internet financial brings huge economic benefits.

According to the current situation of the development of the Internet financial, to make our country's traditional financial innovate unceasingly, makes the Internet financial get long-term development, which is called for risk prevention and control, ensure that users in the process of operation, won't cause harm to their own vital interests. Each other? Network finance is the expansion and extension of traditional financial sector risk problems of which Numbers are growing, if Internet financial vulnerabilities being attacked by criminals, can make originally the complete Internet financial system collapse.

In order to enhance the security of Internet finance and promote its long-term development, it is necessary to prejudge the various risks that may occur and establish corresponding management plan. We should implement the regulation strategy of encouraging and guarding against common combination, and strictly control and guide the development direction and development mode of Internet finance. In order to strengthen the risk control, if the problem is found to be harmful to consumers, enterprises and other groups, it should be punished and held accountable. At the same time, our high school students, as consumers, often use Internet finance to conduct shopping, transfer and other behaviors. Therefore, in order to effectively avoid the risks caused by Internet finance, in the process of transaction and transfer, we should carefully verify the identity of the other party and cannot transfer money blindly. In the network consumption, shopping process, also need to verify the businessman's qualification and credit first. Only when our consumers' awareness of risk prevention is continuously enhanced, can we strengthen the overall security of Internet finance.

Internet finance provides great convenience for our life, study and work. Therefore, in order to realize the long-term development of the Internet financial and financial model of continuous innovation, clear development goals must be based on the situation of our country present situation, to promote better fusion and development of the Internet and the traditional financial industry, extension. In addition, we want to make Internet finance more rapid and stable development, should make the financial industry and other fields to speed up the convergence, the formation of the diversification of the Internet financial mode, so as to provide us with more comprehensive and more high-quality financial services on the Internet.

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