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Paper代写:Network financial management

2018-11-02 | 来源:51due教员组 | 类别:Paper代写范文

本篇paper代写- Network financial management讨论了网络金融管理。网络金融是金融服务与网络技术紧密结合的产物,前者是根本,后者是实现前者的有效路径和手段,互联网的发展为金融服务提供了一个良好的平台。随着互联网的发展,网络金融也随之发展壮大,尤其是以第三方支付为代表的金融形式,在今后大的政策环境支持下,网络金融的发展潜力仍是无可限量。本篇paper代写51due代写平台整理,供大家参考阅读。

Network financial management,网络金融,paper代写,代写,essay代写

Internet finance has overturned the traditional financial mode, making it a real label for its convenience, speed and wide audience. In particular, online financial financing methods such as yu 'ebao have been deeply involved in daily life and are deeply loved by people. However, the development of network finance itself is not perfect, especially some defects in management can easily cause risks. This paper aims to make a comprehensive analysis of network financial management, and then put forward some feasible Suggestions for the healthy development of network finance.

Network finance is the product of the close combination of financial services and network technology. The former is the fundamental while the latter is the effective path and means to realize the former. The development of Internet provides a good platform for financial services. During the development of the last century, the traditional financial industry kept making progress and innovation towards modernization, striving for breakthroughs, and finally made great progress. Financial services began to be provided through networking and electronic means. At the beginning of this century, online finance was really developed and expanded, especially in the form of third-party payment, such as yu 'ebao, which initiated a new era of online finance. As for the role of online finance, the central bank has affirmed it in some policy reports in recent years. Under the support of the big policy environment in the future, the development potential of online finance is still unlimited. The emergence of yu 'ebao is a breakthrough for traditional financial services. By virtue of the convenience of the Internet, yu 'ebao can not only achieve simple and quick operation, but also have a low threshold, attract more customer resources, and get higher profits, which will be more popular and perfect in the future development.

The form of network finance is different from that of traditional finance. The following part will understand the management characteristics of online finance through the analysis of the operation subject, process steps and risk control of yu 'ebao.

The operating entity of yu 'ebao mainly refers to alipay users, fund companies and alipay companies. Among them, fund companies become fund sellers by launching fund products, and absorbing the balance in users' alipay helps expand their fund sales channels and scale. Alipay users transfer their balance into yu 'ebao in the actual purchase of funds, and users can use this to achieve the purpose of income; In addition, the platform for fund sales and purchases is provided by alipay, which enables alipay to obtain certain management fees. Therefore, after a series of capital operation and market connection, yu 'ebao can achieve mutual benefit and win-win among the three operating entities.

As for the operation steps of yu 'ebao, it mainly realizes several important links of fund transfer, confirmation, consumption and transfer through network operation, which is a set of relatively standard and clear process. For example, money transferred to yu 'ebao can be transferred from alipay accounts or bank CARDS, but different transfer methods have limitations on the amount of money transferred. The fund company starts to calculate the return after confirming the fund transferred, and feedback the daily return to the user's account; Yu 'ebao can also be used for consumer expenditure, which is actually the real-time transfer and redemption of fund companies to corresponding funds. In addition, the funds in yu 'ebao can be transferred at any time but will not enjoy the earnings of the day, and the fund company will make the fund deduction in real time.

Although yu 'ebao is generally a financial product with low risk, the risk still exists and should be paid close attention to. When to control risks from different aspects, such as strengthening the customer approval to reduce the market risk, also need to pay treasure company through the appropriate technologies to reduce the risk of regulatory arrangements, and fund companies face a large amount of data processing is also need to strengthen the technical support, make corresponding data can effectively handle, and better manage liquidity risk.

The development of online finance is still a relatively new thing. However, the existing laws and regulations on financial management cannot fully apply to this new thing, thus causing the loopholes in online financial management and failing to effectively restrain some illegal behaviors. For example, yu 'ebao has rarely been popularized and warned of its risks since its launch. If yu 'ebao fails, many users of alipay will inevitably have many legal disputes with yu 'ebao. However, there are no laws and regulations applicable to solving such problems at the current regulatory level.

Therefore, it is necessary to improve the management of online finance and ensure a sound legal and regulatory system, which is the fundamental basis for the country to carry out effective supervision of online finance. As far as the current situation is concerned, it is necessary to vigorously develop relevant legislation and establish a set of practical laws and regulations based on the actual situation at home and appropriately drawing on the advanced experience of foreign countries.

It is precisely because the subject of supervision of network finance is not clear enough that the actual supervision is still in a vacuum, which also makes it difficult to realize the real legalization of network finance. Taking yu 'ebao as an example, it is not in compliance itself. Although the lack of clear regulatory bodies seems to have little impact on the development of yu 'ebao, it is certainly not conducive to its healthy development in the long run.

Therefore, it is an urgent problem to clarify the regulatory body of online finance. To build an effective supervision system, it is necessary to be familiar with the operation mode of network finance and further distinguish the scope, object and subject of supervision, especially to clarify the responsibility of the department as the subject of supervision and promote the transformation of the supervision function of related departments. In addition, attention should be paid to the close cooperation and disclosure of information among various regulatory departments to avoid the occurrence of inadequate supervision and repeated supervision.

Different from providing traditional financial services, the provision of online financial services is realized through the network, which is itself discounted in the security. In addition, the imperfect credit system will lead to greater risks and affect the security of capital operation. For example, if users of yu 'ebao consume a large amount of money at the same time during a certain period, it will cause a large amount of capital flow. If fund companies do not have sufficient funds in handling this situation, it will easily lead to credit crisis.

Therefore, while strengthening network financial management, we should also pay attention to strengthening credit construction. This requires the regulatory authorities to vigorously develop network information technology to effectively monitor and warn potential risks and enhance emergency response skills. In addition, we will strictly crack down on the release of false information and protect the legitimate rights and interests of consumers.

To sum up, the development of network finance is a major breakthrough for the traditional financial industry, which makes people's life more efficient and efficient nowadays. Therefore, effective supervision of network finance can help reduce risks and ensure the security of capital operation, which is inseparable from the coordination and cooperation of relevant departments to strengthen the system construction on the basis of continuous innovation, thus laying a solid foundation for the healthy development of network finance.

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