Internet FinanceIt refers to the value-added services on the Internet platform launched by individual Internet companies in cooperation with fund companies for individual users. the InternetFinancial productWith high liquidity, high profitability, low threshold and other characteristics. The typical representative of Internet wealth management products isYu BaoWechat, Wechat, Money Po, etc.
The advantages of online banking
1. Information advantage
The advantages of information are mainly reflected in the extensive and rapid dissemination of information. Investors are not experts after all. What has long plagued them is the problem of information asymmetry. Now investors can easily grasp the financial information of the country and even the world on the Internet. There is almost no limit to the amount of information transmitted by financial websites. In general, online securities trading provides quotes within 8 to 10 seconds, which is faster than any other commission method.
2. Cost advantage
Compared with traditional wealth management services, network wealth management services save a lot of operating costs and enable service providers to continuously improve service quality and reduce service costs, ultimately benefiting investors. The first is to save the cost of setting up a huge business network; secondly, it saves communication costs; in addition, resources such as data are integrated to optimize the workflow. Statistics show that the general new business department needs a one-time investment ranging from 500 to 20 million yuan, and the daily operating cost is 250-800,000 yuan per month. The investment in the development of a virtual online financial website is only 1/3—1. /2, the daily cost is only 1/5-1/4.
3. Space-time advantage
With a wide range of online financial services, the business scope can cover the whole world, and has an unlimited expansion of the globalized target market. All-weather business services are available on time, and it is truly open 24 hours a day, 7 days a week, which greatly facilitates customers.
4. service advantage
Network financing can improve service quality, and the most obvious is to provide investors with personalized services. In the past, general investors were not experts. It was difficult to conduct technical analysis and fundamental analysis. It required a lot of time and effort. However, with the help of the Internet, especially the information gathering function of the Internet, investors can obtain authoritative research reports and ready-made investment analysis tools.
5. Efficiency and quality advantages
In financial markets, efficiency is money. Financial management activities consume the time, money, and energy of investors to collect information, study market conditions, research investment tools, and make investment decisions. The use of online financial management can save investors' investment at each step, improve the efficiency of financial management, enable investors to grasp the opportunities everywhere, and ultimately improve the resilience of investors; moreover, the application of Internet technology and computer technology allows investors to reduce The blindness and arbitrariness of investment have improved the quality of financial management activities.