How to meet the Internet financial golden years?author DR system Pangu academic think tank members, director of the Institute of Financial Law Central University of Finance and financial development of China's Internet has been at a historic moment, which shares the tide of information technology and globalization are intertwined product, the world trend, mighty Party and government conform to this trend, made a series of wise decisions, the Internet increased from grassroots entrepreneurial finance to the national strategy. Premier Li Keqiang during the two sessions this year in the government work report 'to promote the healthy development of Internet banking,' promote the general attitude is positive, the method is a healthy development, this decision will release enormous reform dividends. 'Health' word is particularly important, do not have meaning. Because the current Internet banking is still in its infancy, the tide Kids Nike Trainers beginning, it is inevitable that pays top academics, and even some people with ulterior motives are removed from them, ready to fish in troubled waters. There are some virtual fire for the Internet financial industry, regulators Nike Shox reminded Internet banking to retire ignition, identify risk points and preventive measures, at this time, pour cold water, feed point antipyretics, I think from the perspective of the healthy development of Internet banking is very it is necessary and timely. The current financial development Internet golden opportunity is rare, I think this is Air Jordan 9 Retro just the beginning of a golden decade. Based on past historical experience of development of the Internet, portal development cycle is about a decade, the electricity supplier website probably ten years period, and now Internet banking should also have decades of development cycle; secondly, there Air Jordan 15 is a learning 李新政 decade in power cycle, general With the ruling period of the economic cycle is about ten years; and economic restructuring and industrial upgrading of our country, is currently being adjusted, is about to enter a rising cycle, it will also have a decade or so. What can we do to meet the golden years? People often say that Internet banking is the traditional financial supplement, this makes sense. Because Chinese traditional finance is separate operation, separate supervision, this pattern is too stable, so there is a lot of demand can not be met, when the grass-roots entrepreneurs borrow money, small micro-enterprise financing there are three doors - financing difficulties, financing your financing risk. People just bulging wallet, he found a little bit Air Jordan 1 of inflation, interest eaten. Lack of adequate finance and investment channels, has made lake accumulate in private funds, which spawned a huge market called private financial markets. Private financial markets is the traditional formal financial supplement, with the rise of the Internet, private financial markets find that it is a better way of allocating resources, using the Internet can eliminate information asymmetry, can effectively docking and matching funds requirements and supply, can also be made directly to the trading platform to promote decentralization and transfer risk. So the Internet technology itself is financial innovation selection result, because the Internet is more effective financial management Air Jordan 19 than traditional financial risk. Many people think that cash was assured, see things, too risky. This is because many people in the community do not know the risk management technology behind the Internet and produce imprecise nature of common psychological. Many people think that, thanks to the Internet, finance will generate a lot of new risks, even leading to gather and amplify risk. For example, a P2P platform, hundreds of billions of funds are in the above transactions, the risk is very big will it? In fact, this platform if strict match in the P2P business is not capital accumulation business, then, in fact, spread the risk Nike Shoes and capital without platform, the platform operated only information matching business, so it is no concentration risk. Instead, Internet-based technology was originally a decentralized P2P technology risk. Of course, if the operation is not standardized and do a pool of money, the Internet may also lead to the risk of concentration, all the money in the accounts of the platform, it may appear to honor liquidity risk, or the risk of joint and several liability guarantee. I saw some net loan platform risk control done fairly standard, using a third-party guarantee, rather than trying to provide security in this platform, so it spread the risk and transfer risk. Many people say that the risks on the Internet quickly conduction, on the Internet there is a certain risk of conductivity. However, Internet-based and easier to set up a risk identification and fusing mechanisms, if the risks appear, through pre-set parameters, you can immediately have to identify, quantify, early warning and fusing mechanisms. Thus, the Internet can be considered to be people who do not understand the concentration and expansion of risk-transfer medium, but knowledgeable people it is a kind of risk identification, quantification, dispersion and blocking of risk management mechanisms. Of course, we should correctly understand the risks of Internet banking, the first layer of risk is the level of infrastructure, Internet infrastructure, finance relies security risk, such as passwords stolen, the data is stolen; a second layer of risk is market transactions risk level, for example P2P peer to peer matchmaking service is a decentralized structure risk, if it is centralized structure of the transaction is likely to lead to capital accumulation risk pools and to prevent the wrong time with; the third is the policy legal aspects risk, current Internet banking or a dislocation management, different areas have different policies, not fully harmonized, and some areas and some areas have not been regulatory supervision, a policy adjustment, it may cause industry changes shape, which is the policy of the risk. Innovation must be at risk, and only recognized the risk in order to better risk prevention. Internet industry in the past there is a rule of thumb is 'fast fish eat slow fish', but the financial terms of the Internet, but also to consider good risk management in order to keep their footing and go far. Lei Jun millet myth creator had a famous saying: 'Standing on the Typhoon mouth, pigs will fly.' However, imagine if typhoon stopped, pig what will happen? You will fall! So now typhoon finance up Internet, entrepreneurs and investors to step up their own practice, you do not always want to pigs. Eagles do have to fight, to stop the wind into the sky after a typhoon! Identify problems to solve the problem from the beginning, we study together industry, financial practitioners explore the Internet world and the unique spirit of wisdom together. Welcome to join i horse Financial Group 339 180 903, to explore the future of the Internet finance.