本篇paper代写- Traditional banking and Internet finance讨论了传统银行与互联网金融。近年来，虽然互联网金融飞快地发展，但传统银行业仍然在相当长的时期内居于金融市场的主导地位。至于未来的发展，趋向于互联网金融将与传统银行业分别主导不同的细分市场，并且互为补充，互相促进。本篇paper代写由51due代写平台整理，供大家参考阅读。
Earlier this year, the central bank published the financial statistics report of January 2014 on its official website. The report showed that while the scale of social financing hit a new high in January, RMB deposits decreased by 940.2 billion yuan in January. Such a large amount of deposit loss has attracted the attention of the industry. Yang delong, chief strategic analyst of southern fund, said the decline of savings deposits in China is closely related to online financial products such as yu 'ebao. As for the 940.2 billion yuan deposit, many opinions hold that the popularity of various cash products such as "yu 'ebao", as well as the expansion of various "baby" products such as huaxia current account, guangfa money bag and huitian fufu cash treasure, as well as the "money-sucking method" of numerous Internet financial products have intensified the relocation of bank deposits. For a short while, the Internet finance will cause the huge impact to the traditional banking industry the speculation and the worry hoot. However, based on the current "balance" and the Internet the size of the small loan product, market segmentation, operation and risk prevention and control functions, as well as the traditional banking sector in recent years in the Internet gradually permeate etc in the field of financial analysis, the author thinks that the traditional banking industry is still in a long period of time in the dominant position of financial markets, and Internet financial will dominate the different market segments, and the traditional banking and complement each other, promote each other.
On capital scale, Internet financial products are not enough to compete with traditional Banks. According to the "January 2014 financial statistics report" released by the central bank recently, the balance of M2 at the end of January was 112.35 trillion yuan, the balance of narrow money was 31.49 trillion yuan, and the size of "yu 'ebao" was about 500 billion yuan, accounting for less than 1% of the bank deposit balance. Therefore, in terms of scale, Internet financial products are not enough to pose a substantial threat to traditional Banks, but an effective supplement to existing products of traditional Banks in a large market.
In market segmentation, Internet financial products are an effective supplement to the traditional banking industry. The third plenary session of the 18th CPC central committee put forward the proposal of "developing inclusive finance, encouraging financial innovation and enriching financial market levels and products", which pointed out a new direction and business blue sea for the development of China's financial industry. And this kind of "balance", "ali small loans", and other products and services, mainly through for m small, short-term capital aggregation function, use has obvious advantages in aspects such as income level, convenience for operation, market positioning to traditional bank management gaps, so that all social strata and groups, regardless of the identity, industry and region, have the right to obtain relatively equal financial services and financial products. Taking yu 'ebao as an example, the average balance of yu 'ebao accounts is less than 3,000 yuan. However, traditional Banks tend to let the funds in this segment flow without proper services or products. The P2P financing model represented by ali small loan, with its fast and convenient lending model, fills the financing demand gap of small and micro enterprises, so that many small funds that fail to meet the threshold of Banks have the door for help. At present, the operation mode of Internet financial products is completely virtual. Therefore, both from the perspective of reputation and risk prevention and control, it is only suitable for the operation of small amount of funds that bear small risks. Internet financial cannot completely meet the needs of enterprises and financial institutions face to face communication, the future of the Internet financial won't replace traditional banking financial services now, any Internet financial enterprise can not only according to some online trading, to an enterprise on the hundreds of millions of money, determines the Internet financial is only a single super mode of retail business products, is in the business Banks occupy the main market outside of the market.
The operation of Internet financial products cannot be separated from the traditional banking industry. At present, the funds collected from Internet financial products are mainly invested in traditional Banks through fund management companies, which deposit them in agreement deposits and earn profits at an agreed interest rate higher than the market rate. Once the traditional banking or financial supervision departments change or restrict the rules in this field, it will directly lead to the decline of the income of Internet financial products, thus reducing the attractiveness of Internet financial products. Moreover, the funds absorbed by Internet finance will still circulate in the traditional banking system for a certain period of time. Therefore, Internet financial products have a certain dependence on the traditional banking industry for a long time.
The function of Internet financial products in risk prevention and control cannot be compared with the traditional banking industry which has many years of experience in risk prevention and control. Based on years of physical operation experience and increasingly complete risk prevention and control system, traditional banking industry has unique, multi-level and multi-angle functions and measures for the safety protection of customer information, accounts and funds. However, Internet financial products are still in the initial stage of contract signing, payment and information security protection. It is an indisputable fact that information leakage and payment security problems occur frequently. Internet finance enterprises focus on market share and competitive advantage, but often ignore the reliability and security of products and services. Although most have promised to compensate or compensate for problems, real remedies are hard to come by. At present, the Internet financial enterprises and the general public understanding of the Internet financial part of the risk is not sufficient, preventive measure is insufficient, in order to prevent the risk of financial system, maintaining the financial order, protect the public interest, the central bank has already begun to strengthen finance supervision of the Internet, such as suspension of qr code virtual credit card payments, and intends to go ahead with its limited account limit, to carries on the limits and specifications. Therefore, as far as its safety performance is concerned, it does not have the ability to attract large and long-term capital. Large funds still prefer to deposit their funds in physical intermediaries such as Banks with implicit government guarantees and high credit standing.
The gradual penetration of the traditional banking industry in the field of Internet finance enables the traditional banking industry to seize the initiative and occupy the dominant position in the future Internet financial system by relying on its own scale and customer possession. In recent years, the traditional banking is also actively expand the Internet trading patterns, step by step to permeate the Internet financial model, the current financial development, the Internet can prompt more traditional banking financial innovation as soon as possible, especially the innovation of the bank management mode and channel and financial products based on market and customer demand two aspects of innovation, change depending on the situation of traditional banking products and services is too single, through establishing exclusive advantage in banking business, and gradually formed with characteristic of entities on bank Internet banking brand.
To sum up, traditional finance and Internet finance do not replace each other, and the future trend is to complement and integrate each other.
要想成绩好，英国论文得写好，51due代写平台为你提供英国留学资讯，专业辅导，还为你提供专业英国essay代写，paper代写，report代写，需要找论文代写的话快来联系我们51due工作客服QQ：800020041或者Wechat：Abby0900吧。
Earlier this year, the central bank published the financial statistics report of January 2014 on its official website. The report showed that while the scale of social financing hit a new high in January, RMB deposits decreased by 940.2 billion yuan in January. Such a large amount of deposit loss has attracted the attention of the industry. Yang delong, chief strategic analyst of southern fund, said the decline of savings deposits in China is closely related to online financial products such as yu 'ebao. As for the 940.2 billion yuan deposit, many opinions hold that the popularity of various cash products such as "yu 'ebao", as well as the expansion of various "baby" products such as huaxia current account, guangfa money bag and huitian fufu cash treasure, as well as the "money-sucking method" of numerous Internet financial products have intensified the relocation of bank deposits. For a short while, the Internet finance will cause the huge impact to the traditional banking industry the speculation and the worry hoot. However, based on the current "balance" and the Internet the size of the small loan product, market segmentation, operation and risk prevention and control functions, as well as the traditional banking sector in recent years in the Internet gradually permeate etc in the field of financial analysis, the author thinks that the traditional banking industry is still in a long period of time in the dominant position of financial markets, and Internet financial will dominate the different market segments, and the traditional banking and complement each other, promote each other.
On capital scale, Internet financial products are not enough to compete with traditional Banks. According to the "January 2014 financial statistics report" released by the central bank recently, the balance of M2 at the end of January was 112.35 trillion yuan, the balance of narrow money was 31.49 trillion yuan, and the size of "yu 'ebao" was about 500 billion yuan, accounting for less than 1% of the bank deposit balance. Therefore, in terms of scale, Internet financial products are not enough to pose a substantial threat to traditional Banks, but an effective supplement to existing products of traditional Banks in a large market.
In market segmentation, Internet financial products are an effective supplement to the traditional banking industry. The third plenary session of the 18th CPC central committee put forward the proposal of "developing inclusive finance, encouraging financial innovation and enriching financial market levels and products", which pointed out a new direction and business blue sea for the development of China's financial industry. And this kind of "balance", "ali small loans", and other products and services, mainly through for m small, short-term capital aggregation function, use has obvious advantages in aspects such as income level, convenience for operation, market positioning to traditional bank management gaps, so that all social strata and groups, regardless of the identity, industry and region, have the right to obtain relatively equal financial services and financial products. Taking yu 'ebao as an example, the average balance of yu 'ebao accounts is less than 3,000 yuan. However, traditional Banks tend to let the funds in this segment flow without proper services or products. The P2P financing model represented by ali small loan, with its fast and convenient lending model, fills the financing demand gap of small and micro enterprises, so that many small funds that fail to meet the threshold of Banks have the door for help. At present, the operation mode of Internet financial products is completely virtual. Therefore, both from the perspective of reputation and risk prevention and control, it is only suitable for the operation of small amount of funds that bear small risks. Internet financial cannot completely meet the needs of enterprises and financial institutions face to face communication, the future of the Internet financial won't replace traditional banking financial services now, any Internet financial enterprise can not only according to some online trading, to an enterprise on the hundreds of millions of money, determines the Internet financial is only a single super mode of retail business products, is in the business Banks occupy the main market outside of the market.
The operation of Internet financial products cannot be separated from the traditional banking industry. At present, the funds collected from Internet financial products are mainly invested in traditional Banks through fund management companies, which deposit them in agreement deposits and earn profits at an agreed interest rate higher than the market rate. Once the traditional banking or financial supervision departments change or restrict the rules in this field, it will directly lead to the decline of the income of Internet financial products, thus reducing the attractiveness of Internet financial products. Moreover, the funds absorbed by Internet finance will still circulate in the traditional banking system for a certain period of time. Therefore, Internet financial products have a certain dependence on the traditional banking industry for a long time.
The function of Internet financial products in risk prevention and control cannot be compared with the traditional banking industry which has many years of experience in risk prevention and control. Based on years of physical operation experience and increasingly complete risk prevention and control system, traditional banking industry has unique, multi-level and multi-angle functions and measures for the safety protection of customer information, accounts and funds. However, Internet financial products are still in the initial stage of contract signing, payment and information security protection. It is an indisputable fact that information leakage and payment security problems occur frequently. Internet finance enterprises focus on market share and competitive advantage, but often ignore the reliability and security of products and services. Although most have promised to compensate or compensate for problems, real remedies are hard to come by. At present, the Internet financial enterprises and the general public understanding of the Internet financial part of the risk is not sufficient, preventive measure is insufficient, in order to prevent the risk of financial system, maintaining the financial order, protect the public interest, the central bank has already begun to strengthen finance supervision of the Internet, such as suspension of qr code virtual credit card payments, and intends to go ahead with its limited account limit, to carries on the limits and specifications. Therefore, as far as its safety performance is concerned, it does not have the ability to attract large and long-term capital. Large funds still prefer to deposit their funds in physical intermediaries such as Banks with implicit government guarantees and high credit standing.
The gradual penetration of the traditional banking industry in the field of Internet finance enables the traditional banking industry to seize the initiative and occupy the dominant position in the future Internet financial system by relying on its own scale and customer possession. In recent years, the traditional banking is also actively expand the Internet trading patterns, step by step to permeate the Internet financial model, the current financial development, the Internet can prompt more traditional banking financial innovation as soon as possible, especially the innovation of the bank management mode and channel and financial products based on market and customer demand two aspects of innovation, change depending on the situation of traditional banking products and services is too single, through establishing exclusive advantage in banking business, and gradually formed with characteristic of entities on bank Internet banking brand.
To sum up, traditional finance and Internet finance do not replace each other, and the future trend is to complement and integrate each other.
要想成绩好，英国论文得写好，51due代写平台为你提供英国留学资讯，专业辅导，还为你提供专业英国essay代写，paper代写，report代写，需要找论文代写的话快来联系我们51due工作客服QQ：800020041或者Wechat：Abby0900吧。
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