A third-party payment
Definition: a narrow sense refers to non-bank institutions have a certain strength and honor guarantees, with the communications, computer and information security technology, and major banks signed way to build electronic payment mode in the user connection with the payment and settlement system between banks.
Broadly speaking, third-party payment refers to non-financial institutions as income, the payer's payment intermediation provided by online payment, prepaid cards, bank card acceptance and other services determined by People's Bank of China.
Explanation: In the transaction Alipay and other payment processors or platforms to participate in, after buy buy goods, use third-party platform accounts to pay the loan, and third-party notify the seller payment for goods shipped to and conduct; buy a house inspection items , you can notify the third party payment to the seller, then a third-party seller restructuring payments.
Second, the Internet Fund
Definition: Internet money fund products means that Internet companies docking Monetary Fund developed by the fund's financial institutions, and sale of financial products through the Internet channel. Internet companies use the Internet platform effect, the structure of the Internet to attract funds for the fund, and give investors a higher rate of return; fund management company is responsible for the Fund, and mainly in the form of lending to deposit agreements need to borrow money commercial banks, which earn interest income.
Explanation: The balance of treasure, by a third party payment platform Alipay for individual users to create a balance of value-added services brand. Bao includes savings balances, transfer, value-added, wealth management and other functions in an integrated service, users can get the money transferred to the balance of Bao certain amount of revenue, actually purchased a product called Internet Fund "increased profits treasure" . Fund balances within the treasure can be used at any time online shopping consumption and transfers, the user chooses to transfer funds out of balance or balance Bao Bao pay for shopping, is equivalent to the balance of the redemption of fund shares treasure.
Three, P2P networks loans
Definitions: P2P lending refers to the realization of financial intermediation between individual and individual.
Explanation: China's first P2P network loan companies - pat loans, direct loans between individuals, loans based solely on credit, do not rely on collateral or guarantees, while the interest rate is market-oriented.
Fourth, the large financial data
Definition: Large financial data is relying on massive, unstructured data, data mining and analysis of specialized information technology by way of the Internet and cloud computing, financial services and would like to combine the traditional and innovative funding to carry out related intermediation work. Big Data platform mode can be divided into financial and supply chain financial model. Large financial data mode requires two capabilities: the first is the big data analysis capabilities, and the second is the legitimacy and sustainability of data sources.
Explanation: The use of the platform model of business, large and small, gathered on the platform many businesses, transaction data with corporate Internet platform the years, the use of Internet technology, providing financial services to businesses and individuals. Large platform model of financial data, should be based on financial, represented by Ali, also known as Ali Ali finance small loans, or microcredit Ali loans . Ali small loans take advantage of Taobao, customer payment data accumulated on the Po and other e-commerce platform, cross-checking by adding third-party verification to confirm the authenticity of customer information, and then to those usually unable to obtain loans in the traditional banking channels for small and medium micro enterprises and the payment is smaller, shorter deadline for small loans.
Fifth, crowdfunding
Definition: by the sponsor, with the cast who constitute the platform. Has a low threshold, diversity, relying on the power of the public, focusing on innovative features, refers to a fund-raising to the masses to support the actions of individuals or organizations initiated. In general the network is the platform through links from sponsors and sponsors. Crowdfunding be used to support a variety of activities including disaster reconstruction, private fund raising, campaigning, fund-raising venture, artistic creation, free software, design invention, scientific research and public projects and so on.
Explanation: The well-known video site Letv hand crowdfunding sports network launched Internet World Cup season activities, and on-line first crowdfunding project - "I signed C Luo you call the shots," as long as within the prescribed period, collect 10,000 support (per people invest 100 million), the project is declared a success, the music network will sign C Lo as a spokesman for the World Cup. By then, all supporters will become a free member Letv, and the opportunity to participate in a series of follow-up activities. This may be the first time the country with crowdfunding invite star.
The significance of this project is to raise public pioneered the use of crowdfunding business models for marketing. First, the crowdfunding model potential user research function. Music Watch the courage to publish contract C Luo project, I believe that the music network on already prepared to keep up C Lo signing the World Cup, through the joint and crowdfunding network, allowing music Watch Before the formal contract, to conduct a user survey.
Secondly, the music, as the network through joint network with crowdfunding, to sign C Lo endorsement World Cup warm-up activities. Watch music full use of the potential of crowdfunding and social media properties, has not come at the World Cup when he made a full warm-up. Finally, the music network can reach the World Cup event to pull in the ratings, and accumulated to a user activity after the formal signing of the C Lo.
Watch music of this initiative on the one hand to make crowdfunding network more and more into everyone's attention, on the other hand also to the entire crowdfunding industry has played a leading role. But hidden behind the event, other companies have the same idea worth thinking is that by crowdfunding network, companies can also how to play.
