What are the main aspects of internet currency virtualization
Publish: 2021-05-16 04:30:39
1. Virtual money has the mathematical characteristics of money (persistence, portability, interchangeability, scarcity, separability and identifiability) rather than relying on physical characteristics (such as gold and silver) or the trust of the central authority (such as fiat money). In short, virtual money is supported by mathematics. With these characteristics, a form of money to have value requires trust and use. For virtual currency, this can be reflected in its growing base of users, businesses and start-ups. Like all currencies, the value of virtual currency comes directly from people who are willing to accept it as a way of payment, which is also the only source
at present, the well-known virtual currencies are bitcoin, Laite coin, Fuyuan coin and doggy coin.
at present, the well-known virtual currencies are bitcoin, Laite coin, Fuyuan coin and doggy coin.
2. Compared with traditional finance,
(1) the core function of Finance remains unchanged. Internet finance still allocates resources in time and space to serve the real economy in an uncertain environment. The specific performance is as follows: 1) payment and liquidation; 2) Financing and equity refinement; 3) To provide channels for the transfer of economic resources; 4) Risk management; 5) Information provision; 6) Solve the incentive problem
(2) the connotation of financial contracts such as equity, debt, insurance and trust remains unchanged. The essence of financial contract is to stipulate the rights and obligations of all parties in the case of uncertainty in the future, mainly for the future cash flow
(3) the connotation of financial risk and externality also remains unchanged. In Internet finance, risk still refers to the possibility of losses in the future. The concepts and analytical framework of market risk, credit risk, liquidity risk, operational risk, reputation risk and legal compliance risk are still applicable. At the same time, Internet finance also has the problems of misleading consumers, exaggerating publicity, fraud and so on. Therefore, the basic theory of Internet financial supervision remains unchanged, and prudential supervision, behavioral supervision, financial consumer protection and other major supervision methods are also applicable, but the specific supervision measures are different from traditional finance
the "change" of Internet finance is mainly reflected in the penetration of Internet factors into finance
the first is the impact of Internet technology, which is mainly reflected in mobile payment and third-party payment, big data, social network, search engine, cloud computing, etc. The Internet can significantly rece transaction costs, alleviate the problem of information asymmetry, improve the efficiency of risk pricing and risk management (which will far exceed the efficiency of human brain), expand the possibility boundary of transaction, so that both the supply and demand of funds can trade directly, thus affecting the financial transaction and its organizational form. Three technical trends should be emphasized here: one is the digitalization of information. The second is the continuous improvement of computing power. In the future, cloud computing, quantum computing and biological computing will help to break through the physical boundaries of IC performance. Third, the development of network communication. These three technological trends will not only affect the financial infrastructure, but also promote the breakthrough of financial theory
the second is the influence of Internet spirit. Traditional finance has a certain elite temperament, which stresses professional qualification and access threshold. Not everyone can enter and enjoy financial services. The core of the Internet spirit is openness, sharing, decentralization, equality, free choice, inclusive and democracy. Internet Finance reflects the rise of Renren organization and platform model in the financial instry, the weakening of financial division and specialization, the simplification of financial procts, the disintermediation and disintermediation of finance, and the democratization and inclusiveness of finance
therefore, the theoretical logic and innovation path of Internet financial innovation are different from that of traditional financial innovation, which implies regulatory differences.
(1) the core function of Finance remains unchanged. Internet finance still allocates resources in time and space to serve the real economy in an uncertain environment. The specific performance is as follows: 1) payment and liquidation; 2) Financing and equity refinement; 3) To provide channels for the transfer of economic resources; 4) Risk management; 5) Information provision; 6) Solve the incentive problem
(2) the connotation of financial contracts such as equity, debt, insurance and trust remains unchanged. The essence of financial contract is to stipulate the rights and obligations of all parties in the case of uncertainty in the future, mainly for the future cash flow
(3) the connotation of financial risk and externality also remains unchanged. In Internet finance, risk still refers to the possibility of losses in the future. The concepts and analytical framework of market risk, credit risk, liquidity risk, operational risk, reputation risk and legal compliance risk are still applicable. At the same time, Internet finance also has the problems of misleading consumers, exaggerating publicity, fraud and so on. Therefore, the basic theory of Internet financial supervision remains unchanged, and prudential supervision, behavioral supervision, financial consumer protection and other major supervision methods are also applicable, but the specific supervision measures are different from traditional finance
the "change" of Internet finance is mainly reflected in the penetration of Internet factors into finance
the first is the impact of Internet technology, which is mainly reflected in mobile payment and third-party payment, big data, social network, search engine, cloud computing, etc. The Internet can significantly rece transaction costs, alleviate the problem of information asymmetry, improve the efficiency of risk pricing and risk management (which will far exceed the efficiency of human brain), expand the possibility boundary of transaction, so that both the supply and demand of funds can trade directly, thus affecting the financial transaction and its organizational form. Three technical trends should be emphasized here: one is the digitalization of information. The second is the continuous improvement of computing power. In the future, cloud computing, quantum computing and biological computing will help to break through the physical boundaries of IC performance. Third, the development of network communication. These three technological trends will not only affect the financial infrastructure, but also promote the breakthrough of financial theory
the second is the influence of Internet spirit. Traditional finance has a certain elite temperament, which stresses professional qualification and access threshold. Not everyone can enter and enjoy financial services. The core of the Internet spirit is openness, sharing, decentralization, equality, free choice, inclusive and democracy. Internet Finance reflects the rise of Renren organization and platform model in the financial instry, the weakening of financial division and specialization, the simplification of financial procts, the disintermediation and disintermediation of finance, and the democratization and inclusiveness of finance
therefore, the theoretical logic and innovation path of Internet financial innovation are different from that of traditional financial innovation, which implies regulatory differences.
3. Internet finance mainly includes content:
payment proct
third party payment tool is the earliest form of Internet financial procts in China. It is represented by Alipay's Alibaba and Fu Tong of Tencent. It was born before the UnionPay super Internet banking release. The purpose is to help users to settle accounts with any bank's bank cards when they are trading on the Internet platform. Businesses do not need to set up accounts in every bank
typical proct
Alipay mainly provides payment and financial services. It includes online purchase guarantee transaction, online payment, transfer, credit card repayment, mobile phone recharge, water, electricity and coal payment, personal finance and other fields
third party payment is a typical example of using modern technology to solve financial problems. After the emergence of third party payment procts, it not only simplifies the user's payment process, but also allows small businesses to integrate payment behavior into their own procts without deep cooperation with banks, bringing better experience<
Internet based financial procts
at present, Internet based financial procts are divided into two parts:
P2P online loan
P2P is the abbreviation of "person to person", which means "person to person". Internet credit originated in the United Kingdom, and then developed to the United States, Germany and other countries. Its typical mode is: Internet credit companies provide a platform for both sides of the loan to freely bid and match transactions. The lender obtains interest income and bears risks; When the borrower repays the principal, the Internet credit company charges the intermediary service fee
after taking root in China, the financial management plan of fund pool based on online loan is derived, that is, users deposit their funds in a fund pool similar to the fund on the online loan platform, and the online loan platform will screen and bid for the projects. The first mock exam is very similar to the bank's lending and borrowing model, so many P2P lending platforms are counted as part of the shadow banking system and are now on the brink of the current law.
the typical proct
building block box is to use Internet information technology to match online information between borrowers with financing needs and investors with surplus financing funds, so as to help investors find a platform with balanced risk and return
it is worth noting that, in essence, P2P online lending is still a kind of lending behavior, and any commitment to guarantee capital and income is impossible. For the online loan platform guaranteed by the guarantee company, the qualification and strength of the guarantee company should be checked
Internet Fund
Internet Fund is the typical representative of the "balance treasure" that the instry loves and hates. We may use the mechanism of the balance treasure to explain the operation mode of the Internet Fund: 1., users will store idle funds in Alipay's virtual account Alipay. 2. User authorization allows Alibaba to use these funds for fund operation; 3. Alibaba invests this part of funds into the funds with cooperation agreements signed before; 4. Alibaba will return the user's income after obtaining the income
typical procts
if you transfer money to yu'ebao, you can get certain income. Support for Alipay account balance payment, quick payment of savings card (including cartoon) funds transferred. There is no handling charge. Through the "balance treasure", users' funds retained in Alipay can not only get "interest", but also have higher returns compared with the interest rate on demand deposits.
crowdfunding
not all crowdfunding can be called Internet finance. Let's briefly introce two directions of crowdfunding:
return crowdfunding: return crowdfunding does not belong to Internet finance. It is a kind of commodity pre purchase behavior. Users pay part or all of the purchase fee before the merchant makes or develops the commodity, After the completion of the proction of goods, businesses cash their own goods or services. The advantage of this model is that businesses can accurately carry out proction and development, know the accurate market reaction in advance, and avoid blind proction. Generally, in return crowdfunding, businesses will set a lower limit on the total amount. If they do not raise enough funds for booking in a certain period (such as 30 days), then businesses will often give up crowdfunding. In China, the previous roll call time, ju.so, and later China dream.com and Jingdong crowdfunding are all paid back crowdfunding
typical procts
crowdfunding mode is introced into China at roll call time. In the early days of the website (July 2011), publishing, film and television, music, design, science and technology, and even public welfare and personal behavior projects can be released at roll call time. At the beginning of 2012, after accumulating half a year's operation data, it was found that the overall project support rate and conversion rate of the website exceeded many e-commerce platforms, the project fund-raising began to exceed 500000, the roll call time began to attract the attention of the instry, and the crowdfunding mode began to sprout in China
equity based crowdfunding: Equity Based crowdfunding is a part of Internet finance, because equity based crowdfunding is not really "crowdfunding" in China, because there are policy risks in fund-raising for non-specific users. In equity crowdfunding, the project publicizes its financing information to some audited investors through the platform, and transfers its equity. In China, taking Angel crunch as an example, only the investment personnel certified on the platform can see the financing information of the enterprise. Angel meeting selects excellent projects to enter the rapid joint venture, and promotes the rapid completion of financing within 30 days<
typical procts
ANGEL pool was established in November 2011, which is the first platform in China to release angel investors' crowdfunding rules. Angel exchange aims to give full play to the efficient and transparent advantages of the Internet and realize the rapid docking between entrepreneurs and angel investors
at present, there are only three types of Internet financial procts. However, with the deepening of informatization and the opening of policies, all financial services are likely to be Internet-based in the future. At that time, the boundary between Internet Finance and traditional finance will disappear.
payment proct
third party payment tool is the earliest form of Internet financial procts in China. It is represented by Alipay's Alibaba and Fu Tong of Tencent. It was born before the UnionPay super Internet banking release. The purpose is to help users to settle accounts with any bank's bank cards when they are trading on the Internet platform. Businesses do not need to set up accounts in every bank
typical proct
Alipay mainly provides payment and financial services. It includes online purchase guarantee transaction, online payment, transfer, credit card repayment, mobile phone recharge, water, electricity and coal payment, personal finance and other fields
third party payment is a typical example of using modern technology to solve financial problems. After the emergence of third party payment procts, it not only simplifies the user's payment process, but also allows small businesses to integrate payment behavior into their own procts without deep cooperation with banks, bringing better experience<
Internet based financial procts
at present, Internet based financial procts are divided into two parts:
P2P online loan
P2P is the abbreviation of "person to person", which means "person to person". Internet credit originated in the United Kingdom, and then developed to the United States, Germany and other countries. Its typical mode is: Internet credit companies provide a platform for both sides of the loan to freely bid and match transactions. The lender obtains interest income and bears risks; When the borrower repays the principal, the Internet credit company charges the intermediary service fee
after taking root in China, the financial management plan of fund pool based on online loan is derived, that is, users deposit their funds in a fund pool similar to the fund on the online loan platform, and the online loan platform will screen and bid for the projects. The first mock exam is very similar to the bank's lending and borrowing model, so many P2P lending platforms are counted as part of the shadow banking system and are now on the brink of the current law.
the typical proct
building block box is to use Internet information technology to match online information between borrowers with financing needs and investors with surplus financing funds, so as to help investors find a platform with balanced risk and return
it is worth noting that, in essence, P2P online lending is still a kind of lending behavior, and any commitment to guarantee capital and income is impossible. For the online loan platform guaranteed by the guarantee company, the qualification and strength of the guarantee company should be checked
Internet Fund
Internet Fund is the typical representative of the "balance treasure" that the instry loves and hates. We may use the mechanism of the balance treasure to explain the operation mode of the Internet Fund: 1., users will store idle funds in Alipay's virtual account Alipay. 2. User authorization allows Alibaba to use these funds for fund operation; 3. Alibaba invests this part of funds into the funds with cooperation agreements signed before; 4. Alibaba will return the user's income after obtaining the income
typical procts
if you transfer money to yu'ebao, you can get certain income. Support for Alipay account balance payment, quick payment of savings card (including cartoon) funds transferred. There is no handling charge. Through the "balance treasure", users' funds retained in Alipay can not only get "interest", but also have higher returns compared with the interest rate on demand deposits.
crowdfunding
not all crowdfunding can be called Internet finance. Let's briefly introce two directions of crowdfunding:
return crowdfunding: return crowdfunding does not belong to Internet finance. It is a kind of commodity pre purchase behavior. Users pay part or all of the purchase fee before the merchant makes or develops the commodity, After the completion of the proction of goods, businesses cash their own goods or services. The advantage of this model is that businesses can accurately carry out proction and development, know the accurate market reaction in advance, and avoid blind proction. Generally, in return crowdfunding, businesses will set a lower limit on the total amount. If they do not raise enough funds for booking in a certain period (such as 30 days), then businesses will often give up crowdfunding. In China, the previous roll call time, ju.so, and later China dream.com and Jingdong crowdfunding are all paid back crowdfunding
typical procts
crowdfunding mode is introced into China at roll call time. In the early days of the website (July 2011), publishing, film and television, music, design, science and technology, and even public welfare and personal behavior projects can be released at roll call time. At the beginning of 2012, after accumulating half a year's operation data, it was found that the overall project support rate and conversion rate of the website exceeded many e-commerce platforms, the project fund-raising began to exceed 500000, the roll call time began to attract the attention of the instry, and the crowdfunding mode began to sprout in China
equity based crowdfunding: Equity Based crowdfunding is a part of Internet finance, because equity based crowdfunding is not really "crowdfunding" in China, because there are policy risks in fund-raising for non-specific users. In equity crowdfunding, the project publicizes its financing information to some audited investors through the platform, and transfers its equity. In China, taking Angel crunch as an example, only the investment personnel certified on the platform can see the financing information of the enterprise. Angel meeting selects excellent projects to enter the rapid joint venture, and promotes the rapid completion of financing within 30 days<
typical procts
ANGEL pool was established in November 2011, which is the first platform in China to release angel investors' crowdfunding rules. Angel exchange aims to give full play to the efficient and transparent advantages of the Internet and realize the rapid docking between entrepreneurs and angel investors
at present, there are only three types of Internet financial procts. However, with the deepening of informatization and the opening of policies, all financial services are likely to be Internet-based in the future. At that time, the boundary between Internet Finance and traditional finance will disappear.
4. Internet finance is the six major models: online lending, crowdfunding, third-party payment, big data finance, virtual currency (bitcoin), baby Corps (like yu'ebao procts). Jr123 is a collection of the best financial websites and resources, including online lending, crowdfunding, third-party payment, bitcoin, baby corps and other Internet financial websites
5. Take it and fix it
6. You can only play GBC and FC simulators
7. You can go to the NDS special topic of the video game bus website first. At the bottom of the webpage, you can download the burning card theme. Among them, those with dstt theme also provide the theme proction tutorial and proction software download. First enter the dstt theme. At the lower left, you can download the tutorial and proction software. Decompress the downloaded theme and put it in ttmenu & # 92; skin\ On default, if you only want to change the pictures on or off the screen, just replace the bgdown.bmp and bgup.bmp files in the default folder with the pictures you want to change, but the size of the pictures should be the same as the original ones, and the file name should be the same. Bgdown.bmp is on the next screen, and bgup.bmp is on the screen,
8. Of course not... Take a good look at the interface difference between wood kernel and TT kernel! The theme of the kernel corresponding to each burning card is not universal... You can replace the wallpaper image of wood kernel with the wallpaper image of TT theme at most
9. Plants vs zombies DS version of dstt golden finger, to plant life infinite that version of golden finger, seems to be at the end of January 11<
number of visits: 28 reward points: 15 | there are 14 days and 9 hours to the end of the question | questioner: z123339077
plants vs zombies DS version of dstt golden finger, the version that wants unlimited plant life, seems to be at the end of January 11. To save the usrcheat.dat file [email protected]
the input content has reached the length limit
you can also input 9999 words
insert picture delete picture insert map delete map insert video map answer can get 2 points of experience value, If the answer is adopted, experience value and wealth value can be increased at the same time.
reference materials: anonymous answer submit three answers.
I would also like to say that the respondent: dinglifang | level 1 | 2011-4-23 08:49
once she used her home phone to dial her home appliances, but after many times, she finally dialed. She heard an empty voice, It's like an echo Valley, and there's the sound of water drops. The next day she disappeared. Three days later, the police found my friend's body by the pool of echo valley
once at 12 o'clock in the evening, I went home with my friends after dinner and passed a place with a grave. My friends were very scared. As a result, the next morning, he often said these words: someone climbed out of the grave. They are laughing. They're bleeding
one night, there was a power failure in my family. As a result, the only thing I looked for was a white candle. I lit it at the head of the bed and looked at it in the mirror to sleep. But that day, I felt chest tightness and breathless. I flipped over and over as if I was pressed by something. Looking in the mirror, I found that I was carrying my grandmother's bag! I didn't carry it
the whole lake turns red (that's blood). A hand is stretched out from the lake, grabs the girl's foot and pulls her into the lake. Then, people find the girl's body and clothes 100 kilometers away from the forest, but her head is missing. People open her backpack and are scared. Her head is in the bag. Her expression is very painful, Those who found her abandoned her body in the forest...
if you read this post, please reply immediately and click "Bodhisattva bless", then post it in the other bar and forward 3 copies. If you don't send it, the hand will be stretched out when you take a bath, and you will end up the same as the girl
number of visits: 28 reward points: 15 | there are 14 days and 9 hours to the end of the question | questioner: z123339077
plants vs zombies DS version of dstt golden finger, the version that wants unlimited plant life, seems to be at the end of January 11. To save the usrcheat.dat file [email protected]
the input content has reached the length limit
you can also input 9999 words
insert picture delete picture insert map delete map insert video map answer can get 2 points of experience value, If the answer is adopted, experience value and wealth value can be increased at the same time.
reference materials: anonymous answer submit three answers.
I would also like to say that the respondent: dinglifang | level 1 | 2011-4-23 08:49
once she used her home phone to dial her home appliances, but after many times, she finally dialed. She heard an empty voice, It's like an echo Valley, and there's the sound of water drops. The next day she disappeared. Three days later, the police found my friend's body by the pool of echo valley
once at 12 o'clock in the evening, I went home with my friends after dinner and passed a place with a grave. My friends were very scared. As a result, the next morning, he often said these words: someone climbed out of the grave. They are laughing. They're bleeding
one night, there was a power failure in my family. As a result, the only thing I looked for was a white candle. I lit it at the head of the bed and looked at it in the mirror to sleep. But that day, I felt chest tightness and breathless. I flipped over and over as if I was pressed by something. Looking in the mirror, I found that I was carrying my grandmother's bag! I didn't carry it
the whole lake turns red (that's blood). A hand is stretched out from the lake, grabs the girl's foot and pulls her into the lake. Then, people find the girl's body and clothes 100 kilometers away from the forest, but her head is missing. People open her backpack and are scared. Her head is in the bag. Her expression is very painful, Those who found her abandoned her body in the forest...
if you read this post, please reply immediately and click "Bodhisattva bless", then post it in the other bar and forward 3 copies. If you don't send it, the hand will be stretched out when you take a bath, and you will end up the same as the girl
10. The network card of this motherboard is from Realtek company
Realtek's network card and sound card drivers have not been very good, so it is easy to have problems with the blue screen
the latest version of NIC driver some time ago is an example. Later Realtek quietly replaced the old driver on the official website
not even an announcement, not responsible at all
now the driver of the official website has been upgraded, but it still can't be downloaded< br /> http://www.realtek.com.tw
please download the driver of this network card from the official website of MSI Taiwan
this is the direct download address of XP version:
http://download3.msi.com/files/downloads/dvr_ exe/Realtek_ LAN_ PCIE_ MB. Zip
hey, I'll have money to change Intel's network card and innovative sound card in the future
damn monopoly Realtek. Because its chips are cheap, it has squeezed out other companies
I miss the AC ྜྷ sound card chip of ADI company.
Realtek's network card and sound card drivers have not been very good, so it is easy to have problems with the blue screen
the latest version of NIC driver some time ago is an example. Later Realtek quietly replaced the old driver on the official website
not even an announcement, not responsible at all
now the driver of the official website has been upgraded, but it still can't be downloaded< br /> http://www.realtek.com.tw
please download the driver of this network card from the official website of MSI Taiwan
this is the direct download address of XP version:
http://download3.msi.com/files/downloads/dvr_ exe/Realtek_ LAN_ PCIE_ MB. Zip
hey, I'll have money to change Intel's network card and innovative sound card in the future
damn monopoly Realtek. Because its chips are cheap, it has squeezed out other companies
I miss the AC ྜྷ sound card chip of ADI company.
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