1, Internet finance major is an undergraduate major in colleges and universities, which belongs to finance major. [1] This major is a combination of traditional financial industry and Internet spirit, and it trains interdisciplinary, compound and high-end Internet finance talents. Internet finance is the perfect combination of information technology, internet thinking, finance and enterprise management, and the deep integration of finance and technology.
2. Internet finance (ITFIN) refers to a new financial business model in which traditional financial institutions and Internet enterprises use Internet technology and information communication technology to realize financing, payment, investment and information intermediary services. The innovative theoretical basis of "Internet finance" is different from traditional finance. It uses the theory of "direct market matching" to directly trade, disintermediate and disintermediate the capital supply and demand sides, which reduces the financial transaction cost and information asymmetry and improves the efficiency of financial resource allocation.
3. Xie Ping also used classic cases such as "Yu 'ebao, JD.COM Baitiao, Public Comment+Food Hygiene Insurance, Taxi Software" to prove that two characteristics of financial innovation: financial democratization, financial universality, information digitization, continuous improvement of computing power, development of network communication, and once-in-a-century subversive technology will lead to a breakthrough in financial theory. The development of Internet technology has promoted the birth of Internet finance, especially the fundamental changes in this trading mode, trading channels and trading rules by big data and cloud computing technology, which has led to the emergence of various formats of Internet finance. Internet finance in China is entering a stage where innovative products emerge one after another. In 20 15 years, internet financial products will be more diversified.