What common sense does the Internet finance industry need to have?

Internet finance is different from the financial Internet is a consensus, then what is Internet finance?
What kind of mutual-fund model can be sustained and will have prospects?
What kind of technical background and knowledge structure are needed?
What kind of business is needed, and what kind of career is needed?
Do you know if you can engage in internet finance after that?

This problem is really a bit big, I saw the dog forum without such a post on the grab a bench:)

Below with their shallow experience from my answer to the question I asked, looking forward to "a"

"So what exactly is Internet finance?" 】

Mutual gold nature is different from the financial Internet and traditional finance, from its word surface can be understood, English Fintec is a combination of words, meaning "financial + technology combination", mutual money from the most basic ideas and gold mutual (financial internet abbreviation) different, mutual gold from customer considerations, gold Mutual from the functional considerations, the starting point is different. Mutual Gold is not financial + Internet, but the integration of the two technologies, finance from birth is a match, both asymmetric information under the matchmaking, there is capital asymmetry of the match, more supply and demand asymmetric matchmaking, its natural intermediary and service never diminished. In short, mutual money is a new species that comes after the deepest convergence of financial technology and the Internet, including network and computer computing.

"What kind of mutual-fund model can be sustainable and will have prospects?" "This question can be voluminous written thousands of words to explain, but these relate to technical property rights and knowledge of the experience of two processing, can be placed in the future discussion." To answer the question, the most promising mutual-financing model must meet three points: can make honest financiers more efficient financing, can allow investors to have a better risk of knowing the right (of course, the yield is very important, do not forget that the yield and risk is symmetrical), can form the necessary barriers (whether it is technical barriers, scale barriers or business intelligence)

"What kind of technical background and knowledge structure is needed?" "According to the understanding of the industry and the previous answer, it can be seen that there is a general need for two areas of knowledge and experience to be good." First, with sufficient internet skills and financial skills, here is the ability to refer to specialized knowledge and skills, experience and the necessary professional ability; Mutual payment is also the same as e-commerce is the Internet technology in the financial field of vertical use, reduce costs and improve the effectiveness of financial services, which must be a good product design capabilities, Financial industry development capabilities, system architecture and automation, container technology and other related capabilities, and secondly, is the financial skills, throughout the current domestic financial industry personnel does not exist in the full continuity of finance and technology cattle, not to mention the all-in-one mutual Taurus? But there is no need to worry about finance, the development of the financial industry in the past hundreds of years broadly divided into "corporate finance" and "capital market" two pieces, the specific points can be banks, funds, insurance, trusts, capital Management, securities and other specific business, financial knowledge structure roughly including finance (not accounting OH), Law (mainly financial law) and Industrial Business analysis (can be simply understood as macroeconomics and microeconomics), enterprise finance and so on, oh, yes, there is a very important advanced mathematics, financial technology to go deep is not open mathematics, the specific is high number two, probability and statistics, line generation, wavelet, Partial differential and so on (including the famous financial mathematics model), and finally the senior practical experience.

"What kind of business is needed, and what kind of career is needed?" "The problem with the operation of the Internet is the best means, of course, can be appropriate offline team, which is an essential part of mutual money." Professional training depends on what role the client is in. Startup entrepreneurial boss need a lot, light has feelings is not, the industry has a "criminal" drop, the other role in accordance with their own buttocks to decide the head bar; here is a special emphasis on those who have a very professional ability of the partner or participate in the actual operation of the company's real-name shareholders, this is a one-way ticket, not the road ticket

"Will you be able to engage in internet finance after understanding these?" "The rest is down-to-earth, constantly pulling the cart forward and make people afraid of learning ability."

What common sense do you need to engage in the internet finance industry?