Internet Finance

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Hello,everybody,my name is Zhang Yibin,a Junior majoring in mechatronic engineering.But I am very

interested in financial, and hope to be able to study the financial problemsin my graduate period.

And today ,I want to talk something about The Internet Finance ,So my topic is called “the development of the I—Finance prospects”

As we all know,the growth of the Internet financial rapidly, brought a huge opportunity for all people in the industry. And online payment and online peer-to-peer lending are the financial industry, two successful cases of China's Internet . However, mobile payment market is very developed, and the Internet giant in this area has a high market share, So there will be a tough for the begeinner.Peer-to-peer networking market in the past few years period of rapid growth, mainly due to the traditional financial institutions failed to fully meet the demand of smes credit growth. Internet financial service provider agree that if there is no proper risk assessment system, The systemic risks of online equivalent loan business will be higher. Compared with the high Financial leverage of government and corporate sectors, China's consumer


sector has a good financial situation, and growth potential is very huge.

Internet companies will play an important part in the development of financial markets on the Internet. Baidu, alibaba and tencent has successfully built a large customer base. They have been using their own customer base and sound financial status. Alibaba and tencent have also their own online payment tool, available on retail and SMS customer transaction data, allowing them to build their

own

risk

assessment

and

credit

rating

system.However, on the other hand, the traditional financial institutions in the network financial service are insufficient, so the Internet company has advantage in this respect. Alibaba ’financial antsand tencent ‘the micro bank had been granted a banking licence, it will help to reduce financing costs. Internet finance is growing rapidly, but compared with current throughout of the financial system, it is still quite small. The Internet also have more than one industry segment in the financial sector, their properties are very different between each other. Due to the large market, there is no one company can monopolize a market.


Last but not least, Internet financial sector is also made up of different regulatory supervision, these institutions including the China banking regulatory commission,

securities

and

insurance

regulatory

commission. Compared with traditional financial sector, the Internet regulation of the financial sector suffered relatively loose. When the Internet financial service providers enter the field of financial laws and regulations,the situations will be more complex, such as pay, money laundering, customer education and face to face interview, which are facing some challenges. As mentioned in the people's bank of China governor zhou xiaochuan: challenge is an objective existence, it's important that we should adapt to the new development and new technology challenges. To quicken the steps of our study, learnearly, constantly update the rules and regulations and regulatory standards at the same time, so you can make the whole financial industry to maintain a healthy development direction.

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