Internet Lever Financial Advanced

has always felt that the term Internet finance is not very accurate, the Internet has not created a new financial form, whether financing, payment, information intermediaries are very old financial capacity. is the financial use of http://www.aliyun.com/zixun/aggregation/5739.html "> Internet Technology, Mobile communication technology to achieve efficiency optimization, is the ancient exchange activities and efficiency of the combination of tools. But the word Internet finance is apt to evoke exciting prospects. As Wall Street used to sell the financial products of underdeveloped countries, it created the word "emerging markets". But the internet does bring a progressive push to finance.

Financial products in strict sense is the data, the data on the Internet to achieve the payment, and then the number of matching, deadline matching and risk pricing, from this perspective, the combination of Internet and finance is logical. Data is one of the most powerful advantages of the Internet, especially when the big data age of the Internet can bring complete and trustworthy user data to finance, which in turn can reverse the customization of financial products, and some financial products are designed for a certain type of Internet.

Unlike people, the Internet has no forgotten mechanism, the Internet has a strong ability to store and record. All products, services can be completed through the network of information precipitation, circulation. Along with this is the individual information, we have the keyboard or the mouse every time the impact of the message will be defined on the network account with an accurate correlation. The internet transforms everyone into a digital presence in the Internet world. Each person's behavior information, is precipitated into the network the data information, moreover this kind of data information, realizes the Cross-border interoperability through the cloud computing, will each person transparent, this constitutes the Internet Finance Information Foundation.

At the same time, with the help of Internet technology, the division and specialization of the financial industry has been greatly diluted under the Internet model that provides services around user data. For the vast majority of users, finance is a black box products, ordinary users are difficult to understand the financial rules, but this is not important. This is similar to the Internet anomaly, the Internet for ordinary users is to meet the needs of the product, the inherent algorithm is irrelevant, the important thing is the user experience. The user experience of financial products is convenience and surplus. In the user experience, the Internet can bring a leap-forward to finance.

Finance as a kind of exchange activity is the essence of value circulation, the core is the exchange of value across time and space, all transactions involving value or income are allocated in different time and space are financial transactions. In this process liquidity is a very important element, any school economics will emphasize the importance of liquidity to finance, time is value in the financial world is particularly prominent, the moment for finance also means a huge opportunity cost. The efficiency of the Internet has greatly improved the mobility, the micro-credit red envelopes, balance treasure, is also a substantial increase in the liquidity of capital, followed by the acceleration of financial digitization, a large number of financial forms will be digitized in a very short time, and with the terminal tightly bound, financial services with the user rather than the user looking for financial services. (Shenlu Administration/text).