Talking About Internet Finance Practitioners Should Change Their Thinking Mode

Here world

The editor of the net introduces Jane Yu: Internet financial practitioners should change their way of thinking.

There are similarities and differences between Internet Finance and traditional finance.

In addition to the different media of financial business, the mode of thinking is different. The Internet has the spirit of "openness, equality, cooperation and sharing", which requires Internet financial practitioners to change their way of thinking and innovate the traditional financial products according to the Internet thinking.

In the process of integrating the Internet with the financial industry, the Internet banking business will have higher pparency and participation, lower cost, and more convenient and fast.

Jian Yuqing believes that the opportunities and risks brought by Internet finance are the same.

I. immediacy and mobility

With the introduction of mobile devices such as tablet computers and smart phones, it features portability, rich functions and simple operation, enabling users to use the Internet to provide financial services.

With the Internet, users can pfer accounts, pay and purchase financial products at any time and anywhere through mobile phones, tablet computers and other clients.

Two, wide coverage and fast development.

The development of Finance in China is mainly based on the development of the Internet. At the same time, it relies on the rapid coverage of the electronic business platform.

The Internet will give its own characteristics to Internet finance, which can effectively cover the whole world, break the traditional geographical restrictions, and break through the constraints of time.

The combination of Finance and Internet will expand the scope of business, and there will be more customers.

Three, interaction and pparency.

The development of the Internet has gradually penetrated from the PC side to the mobile terminal. More and more mobile applications are coming into being. Mobile applications are highly interactive, such as micro-blog community, public comment, WeChat and other applications, which can achieve communication, information and other purposes.

The characteristics of fast dissemination of information on the network enable users to get information at the first time, and the information is more pparent and open.

Four, low cost and high efficiency.

Another feature of Internet finance is to reduce paction costs and improve efficiency at the same time.

The operation process of Internet financial business tends to be standardized and standardized. All businesses operate on computers or smart phones. Customers do not have to queue up at bank outlets to reduce the time cost. Besides, computers are more efficient in business processing, so that customer experience can be improved and satisfaction improved.

Although the Internet financial platform can carry out customer credit investigation through big data, it does not connect with the PBC credit information system, and a large amount of data information can not be shared.

Compared with the traditional commercial banks, the risk control ability is still insufficient. Strengthening the risk control ability of Internet financial enterprises is the focus of future work.

In addition, the development time of Internet Finance in China is not long, and there is no necessary industry standard and legal supervision. Internet finance faces legal risks and policy risks.