Will 2015 be appropriate for new entrants into the internet finance sector?

The internet financial industry is a very big industry, probably now has peer-to-peer, online payment, large data credit, public and Internet financial Portal 5 models, then I will talk about what kind of skills need:

1, peer-to-peer mode: Peer-to-peer Internet financial model, should be the 2014 's most popular Internet financial model. Peer-to-peer markets are far from saturated and there are strong potential for growth in the future. On behalf of the global Peer-to-peer industry benchmark Lending Club has been listed in the United States, including domestic loans for all, the benefit of the net, Pat Credit, point melting nets and so are well-known Peer-to-peer platform. Apart from some functional positions, which departments have the obvious characteristics of Peer-to-peer network loan platform?

These departments: Financial Products Department, wind control department, sales department. The financial products Department is important to a certain degree of financial knowledge and the integration of Internet product knowledge, but when you enter this department, you will obtain a large number of user data to understand the user on the PC side, the mobile end of the payment behavior, financial product bidding behavior, docking creditor behavior, In order to design a user-compliant Internet financial products, this department should be the most close to the Internet and financial two industries. Wind Control department, as the core of internet finance is the wind control, wind control in the Internet finance is also a relatively large topic, mainly wired and offline two modes, online more is the use of large data methods to control user risk, screening out inappropriate users. Offline through the telephone collection, online collection and other traditional way, each wind control department in peer-to-peer companies are the most important core departments, because it relates to a peer-to-peer company's survival. The other is the sales department, the work of the sales department can be divided into two parts: one end is connected to the borrower, through the borrower's borrowing to form the investment target, directly looking for the borrower can also through the small loan company to carry out the transfer of debt, which requires a strong offline and online team implementation. The other end is to connect investors, generally for the public to invest in products, through a variety of marketing means to attract users, and through the promotion of their own credibility to attract more investors to participate in the target.

Learning these things, only by school knowledge is difficult to learn, perhaps the future university will open Internet finance such a specialized professional. As long as the peer-to-peer industry is interested in, you can join the industry, through the internship in the company, learning, you can get the relevant knowledge of the promotion, you said to join too early or too late? Now the internet finance has just started, Tencent's micro-public banks have just opened, many peer-to-peer companies are now really entering the stage of rapid growth, 2015 will be a peer-to-peer development of the important year, at this time, you are not only facing the whole industry reshuffle, development, regulatory improvement, It is also the most important year of financial development.

There will be more giants in the future into this industry, in addition to the peace of the Lu Jin, will be born a large number of back-state enterprises Peer-to-peer Company, so the opportunity is very much.

Development prospects: Very good.

2, Online Payment: On behalf of Alipay, micro-letter payment, Lakara, net silver wallet. On the payment, because it is not professional, so there is no way to give you a detailed answer. In general, it is also divided into three pieces of technology, products and markets. The payment product relative to other Internet products pay attention to the security of users, the same technical requirements are relatively high. If you want to study in depth the technology is also okay, similarly, if the technology is boring, can also be transformed to pay the product manager, particularly bullish micro-letter payment potential, Alipay now many aspects have been formed, social and micro-credit payments, including future micro-letter advertising to join the payment link is very imaginative space.

Development prospects: Good

3, large data collection letter: On behalf of Sesame Credit Company, Tencent Levy letter. For most of China's current lack of credit support, many people are unable to borrow money. And through the private credit firm can make up for China's credibility system is not perfect this point. The central bank this year has informed eight companies to carry out six months of credit preparation work, the licence is also about to be implemented, it can be said that the letter will become the Internet financial industry in the future, when the central bank issued a licence to formally confirm that the eight companies have the legal effect of the letter, these credit companies will be the future of everyone to borrow the passport, will also become the future Peer-to-peer company, small loan company important credit indicators, the future of this business potential is also huge. Then I'll analyze the 8 credit companies:

(1) Sesame Credit, Tencent Levy letter, Lakara Credit for the representative of the internet levy Company: Sesame Credit relies on Alibaba massive transactions and payment data, Tencent relies on a large number of social data, Lakara rely on a large number of payment data, rely on these data to establish a credit model to provide users with credit reporting, here the best, is also the most valuable occupation should be large data engineers, can use massive data to build models, through the model of user credit evaluation. If you like math, like the data, you might as well try it.

(2) Peng Yuan Levy Letter Co., Ltd., Credit Credit Co., Ltd., in the letter to the representative of the traditional credit company: The three private credit companies do not rely on any one internet company or financial company, through the traditional offline and online combination of methods, through the collection of banks, private small loans, Open user data to the user to conduct large data, anti-fraud technology to determine the user to form the determination of the credit.

(3) Shenzhen Former Hai Levy Co., Ltd. as the representative of the financial credit Company: have to admire peace in the Internet financial rapid response capacity, in the Peer-to-peer industry based on the establishment of the Lu Jin, in the credit industry has established a former maritime levy, peace is undoubtedly the financial giants in the Internet financial industry to go furthest. has been optimistic about the development of the entire financial area of Shenzhen's former sea.

Development prospects: Very good

4, the public chip: this piece does not understand. Jingdong Now this piece seems to have done particularly well, and the mode of innovation

Development prospects: Good

5, the Internet Financial Portal: On behalf of enterprises have to focus on the net loan information of the home, net loan day eye; Focus on the investment product portal of Rong 360, Baidu Finance, focus on the investment community Snowball, focus on financial information dispatch, etc. The more optimistic is the snowball and melt 360. In general, these Web sites focus on the integration of huge information and operational capabilities, as well as the profitability models that help internet finance companies guide the flow of money, offer investment advice to investors, and also serve as investors and internet finance companies. This piece of words, Baidu has eaten away a lot of cakes, more opportunities in the vertical field platform. If you want to enter this piece, the continuous acceptance of the industry's new knowledge and interaction with users, the ability to use new media is very important.

Development prospects: Good

In general, it is not too late to join this industry, the Internet financial Company is a foregone conclusion, the future of internet finance companies will have more appearance, innovation has just begun to join this industry, if you learn ability, the future will have more opportunities for you Oh! Come on!