Internet Financial Diversification Creates New Prospects For Financial Innovation

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Xiaobian network to introduce to you is the diversification of Internet finance to open up a new situation in financial innovation.

China's current Internet financial model innovation has gradually revealed the trend of diversification. Under the background of big data, cloud computing, social networking and communication technology, Shanghai's well-known online lending platform is good. Net Yu pointed out that this trend of diversification is bound to increase. Besides P2P, investment management and third party payment, Internet finance has also emerged such as Internet financial portal and big data finance, information financial institutions, and crowd raising mode.

First, Internet financial portal.

Under the influence of the rapid development of the Internet financial portal, the domestic Internet financial portal has also learned from its experience and has risen rapidly in the past two years.

Using Internet platform to search for financial products, parity and recommendation, paction, sales and other services platform is the Internet financial portal.

For example, the fusion of 360 websites is China's first Internet financial portal search engine, mainly for businesses and individuals to provide financing loans products vertical search price comparison, in its opening in less than two years, for a large number of small and micro enterprises and individual users to provide financing loan inquiry row name, and recommended it to the banking financial institutions to obtain financing loans.

Second, big data financial model.

At present, all the financial service models represented by Alibaba, suning.com and Jingdong group can be called big data financial mode. In this form, we can excavate potential valuable customers through big data and cloud computing, and locate a pattern innovation of their needs and satisfy customers' needs.

It can be said that big data is a new resource element after land, capital and manpower. We can expect the similar market of big data exchange to appear, so as to realize the sharing of various market main body resources.

The big data financial model will solve the following three problems: it can provide sufficient liquidity to solve the problem of non matching liquidity between the assets and liabilities of enterprises; it can solve the problem of high paction costs in traditional financial institutions in terms of cost; the problem of solving customer shortage can be expanded to tens of millions of small and micro enterprise markets with broad prospects.

Third, information-based financial institutions.

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The development of various financial businesses through Internet and related technologies will save the input cost of physical outlets and various resources, improve operational efficiency, create more value and enhance its core competitiveness.

This mode relies on the emergence of information-based financial institutions. The traditional financial institutions change the original financial services mode through the Internet, adopt information technology, reconstruct or reconstruct the traditional operation process, and realize the comprehensive electronization and networking of operation and management. Nowadays, there are many innovative modes such as online banking, online insurance, online securities and online financial management.

Fourth, crowd raising mode.

At present, it is a relatively new model, and its development in China is not very fast. Among them, the name time website and so on are representative.

Or dream, in the form of video, picture, text, etc., on the website, set goals to achieve the required amount and time limit, and those interested in the project can commit to donate or invest a certain amount of funds to help them achieve it.

Although this mode is restricted by relevant laws and regulations in China, this mode will achieve some specific people's creativity or entrepreneurial dream, and the future is worth looking forward to.

Jian Yuqing believes that these are the four existing models in our country. We can expect that there will be more new models in the future, or based on the integration of the above four modes. Finally, the innovation of China's Internet financial mode will keep pace with the pace of international development.