'The Wind South of Internet banking.'
(Financial Times of existential philosophy of the Internet)
About the Author
Chen Yu, screen name 'South cynical,' Ren Zhi Asset Management Group partner does in the West Lake. From 2012 to fun nature on the Internet Financial Review writing to a series of articles 'Zhejiang how the economy' fame. Its large number of financial articles, the times of financial analysis with penetration in the financial industry caused great shock, became one of the leading critics of the financial sector.
2013, his research interests turned to Internet banking, which have a large number of comments of Internet banking and financial institutions, practitioners must-read article, many people are beginning to understand the Internet financial cynical from the south, so southern cynical financial sector in the Internet more 'principal' one said.
Jiangnan cynical Internet financial evaluation and prediction straight cut key, though harsh, but was able to often true. His style is a straightforward straightforward, high-profile publicity, but the line was very humble man, very low key, a sharp contrast. For which he won a large number of 'diehard powder' to follow, many of them financial Gangster level figures.
With the rising tide of Chinese Internet banking, P2P, crowdfunding, Bao balance, micro-channel payment and other new thing after another, coupled with the large data and other trendy concepts to help out, simply squandering For beautiful eyes, so that the media excited, enthusiastic public. So, Internet banking is really able to 'subvert' traditional finance it? When thinking of the Internet hit traditional financial concepts, is the dominance of Internet banking, or the traditional financial industry self-innovation? Who moved the financial sector cheese?
'The Wind South of Internet Finance' On an early test sites with the creation of water Internet financial prototype later became a senior Internet investor finance, based on their many years of practice in the field of observation and thinking, Tracing the source of internet financial dispute, tell you when you change the tide strikes, what should be done.
table of Contents
The first chapter on financial intermediation, Xie peaceful Xiaonian Why is wrong
Section Why do we need a financial intermediary?
Section financial intermediaries be trusted?
Chapter Internet financial dispute genre
Section three Internet banking concept
First, Xie Ping: go Intermediary
Second, Ma: Gene Theory
Third, media theory
Section Internet Background of the financial dispute
First, the four background
Second, the Internet banking in the end what can subvert?
Tracing the source of the third quarter of internet financial dispute
First, the focus of debate in there?
Second, the Internet's financial ability to achieve financial 'disintermediation'?
Third, Ma gamble: traditional financial institutions and Internet companies who is superior?
Fourth, the 'inclusive finance' and 'financial democracy' looks beautiful
V. beings in the eyes of the bank's profits is true?
Chapter III caught among Chinese Internet banking
The first section of the wall outside the shadow banking
First, the separated operation Mixing historical disputes
Barbaric growth outside walls - Second, the shadow banking
Third, the wall can be explained on the basic series of attack Ma
Caught between the second quarter of China's Internet banking
First, the nature of the Internet is the shadow banking finance
Second, what is after the wall down
Section III of the Sino-US differences in Internet banking
First, the impact of the Internet in the United States limited financial power
Second, the US and European banking community-based formats
Chapter IV wide variety of Internet financial model
Finance Section domestic Internet mode (4 + 1)
A, P2P and crowdfunding mode
Second, third-party payment mode
Third, the channel sales model
Fourth, parity mode
Five other modes
Section foreign Internet financial model (5 + 1)
First, innovative financing service model
Second, the online financial model
Third, the credit rating credit enhancement mode
Fourth, the social stock selection model
Five innovative payment mode
Six other modes
Section III how to treat Bitcoin
First, the Internet banking in the alternative, subversive innovation is still speculative products
Second, the nature of credit currency Bitcoin
Chapter Internet platform model financial
Section I Overview of platform model
First, the platform model is decentralized
Second, the 'Xerox' as the representative of the charity platform model
Third, the platform model requires two basic conditions
Section Detailed P2P mode
A, P2P three modes: Platform mode, the security model, sales model
Second, the general risks associated with domestic special risks faced by P2P
Three, P2P should be how to regulate?
Fourth, whether a license should be given P2P?
V. Case Study: The land of gold and Yixin
Six, summary view on P2P
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Research papers Download 'Internet +' think tank has published a series of books 'Internet +: cross-border and integration', 'Internet +: industrial air', 'Internet +: inclusive finance', 'Internet +: Overseas Case', 'Uber : On 'shared economy' era. ' Centre of 'open win-win' concept, welcomed the major book publishers, book class electricity supplier recommendation and cooperation, so stay tuned www.100ec.cn/zt/dsts/. (Text / Xuan children; compile: free download)