Tianyu hand travel mining apprentice
To get to level 70, click on the map. There's a businessman named Xiangxiang who goes there to buy the entrance examination certificate
main business sectors
as for which business sectors Internet Finance includes, different perspectives and opinions are different. The Internet Finance discussed in this paper is not a strict academic concept. It describes the financial business model in the Internet environment from a commercial point of view. So it is not equivalent to "Internet plus finance", nor is it equivalent to the Internet of finance, nor is it the financial activity of the Internet instry. It is a new financial format.
classification based on functional attributes
Finance is a series of intermediary service behaviors involving asset conversion activities. As a financial business model, the functions of Internet can be divided into three categories: the functions of finance as a medium of transaction, as a medium of investment and financing, and as a medium of wealth management. These functions play a role through the internal credit mechanism. Therefore, Internet Finance includes three business sectors: one is Internet transaction payment business. Including banks using the Internet or mobile Internet to establish convenient payment and settlement channels, the relevant enterprises can also rely on their own advantages to establish third-party payment companies. The other is Internet financing intermediary business. Including P2P lending financing relying on the Internet and equity financing through crowdfunding platform. In addition, under the background of big data analysis, carrying out credit investigation and credit extension activities is also an important aspect of the function of Internet financing platform. The third is Internet financial media business. Including the use of Internet advantages, the establishment of marketing window, to provide customers with one-stop financial services; Using the advantages of big data management to guide trading decisions and develop high-frequency trading; Use big data to analyze customers' financial needs, implement precision marketing and effective customer management; Using financial big data to predict risks and put forward risk policies, to discover abnormal trading behaviors in time; Using big data for macro policy analysis, we can achieve the optimal monetary policy arrangement to stabilize macro risks; Use big data to conct credit analysis of enterprises and indivials, and timely grasp the repayment willingness and repayment ability of different objects< According to its technical attributes, Internet finance can be divided into three categories: one is to use the advantages of the Internet to establish a trading platform. Including P2P platform, crowdfunding financing platform, financial procts promotion and sales platform, insurance procts trading platform, securities trading platform, etc. The second category is big data finance, including credit rating by using financial big data analysis technology; High frequency trading decision based on big data analysis model; Customer big data analysis, precision marketing; Risk assessment and management based on big data analysis; The discovery and diagnosis of abnormal transaction. The third type is the so-called financial electronization, which mainly uses the Internet technology to transform and upgrade the traditional financial service instry, including the construction of e-banking, E-securities and E-insurance systems based on the Internet. Make financial services connect all kinds of transaction subjects through the network, break through the time and space limit of financial services. Including online banking, mobile banking, wechat banking, all kinds of self-service, etc. It also includes the use of cloud computing, big data and other technologies to improve financial enterprise customer management, performance management and risk management
the source of core competitiveness
Internet Finance reveals two basic trends: the financialization of Internet enterprises and the internetization of financial enterprises. The combination of Internet and finance makes the financial instry more powerful. The reason is that the Internet can most effectively solve the essential needs of financial services. This is also the source of the core competitiveness of Internet finance
Internet technology can most effectively deal with the temporal and spatial transfer of value. The essence of finance is the transfer of value across time and space. One of the basic financial functions of the transaction media is to solve the problem of money transfer between the supply and demand of goods and services trade, that is, the payment problem. The Internet can most effectively realize transaction payment through account settlement and clearing. The investment and financing intermediary, one of the main functions of finance, is the allocation of value on the term and the liquidity conversion of financial assets. The Internet is most concive to the realization of different subjects, different liquidity asset value allocation. The essence of asset management function derived from finance is the allocation of income risk among different preferences, and Internet technology can make the constantly changing information of risk and income easier to capture and analyze in time
the convenience and self-help required by finance as an intermediary service activity can be best achieved through Internet technology. The Internet realizes the interconnection of information between different subjects. Everyone can become a network terminal or node to initiate or receive financial transaction services. In this way, 24-hour uninterrupted service can be realized, and in the context of mobile Internet, this service no longer depends on the location environment, and can be completed anytime and anywhere by self-help, which greatly improves the customer service experience. Even the credit extension and account opening, which were originally thought to be inseparable from the counter service process, can be realized through the remote interaction between the customer and the customer manager, greatly enhancing the timeliness of the service. Under the background of this technology, if traditional banks do not use the Internet, they will have no competitive advantage
the advantages of big data analysis and interconnection based on the Internet are most concive to the establishment of sufficient information and credit enhancement required by financial services. The essence of finance is credit, which is based on sufficient, effective and symmetrical information. The Internet platform establishes great convenience for information communication and information disclosure between the two sides of the transaction, makes the transaction information tend to be sufficient, makes it very convenient to understand the business activities and credit information of the object, and establishes a community of related parties, increases the understanding of the counterparties, and forms a broader supervision. Big data analysis can integrate a large number of fragmented information into important correlation and classification information, which helps traders make correct judgments; Anomaly analysis can prompt people to guard against financial fraud; Process and dynamic monitoring information can describe the trajectory of things and prompt people to respond in time. Any trading activities will tend to help enhance the direction of information and credit, the application of Internet and big data technology in finance is inevitable
the application of the Internet has greatly improved the economies of scale and scope of financial services, thus improving the efficiency of financial services. The information platform created by the Internet makes the marginal cost of many financial services tend to zero. It effectively solves the problem of high risk and high cost of financial services for small and scattered retail customers. Due to the standardization and self-service of a large number of scattered subjects with the help of network, financial services tend to scale economy and scope economy. Internet technology greatly reces the cost of information acquisition, information clearing, risk identification and customer management, thus greatly improving the value creation ability of financial services< Under the trend of Internet-based financial enterprises and Internet-based financial enterprises, a series of new trends of financial development appear in the restructuring of financial market, institutions and business
with cross-border development, the boundaries of financial enterprises are blurred. Channel operators (mobile, telecom, Unicom, etc.) with Internet application advantages can establish their own account system by using mobile phone registered user system, and set foot in transfer, payment and other functions; Electronic business platform enterprises (such as Alibaba) can use the trading margin system to form Alipay and Yu Ebao to expand financial services. E-commerce enterprises can establish a fund collection and payment platform with the help of the relationship between their suppliers and customers, and expand other financial services for commodity circulation; Social networks (QQ, wechat, etc.) can expand the third-party payment function and indirectly manage wealth through their registered users; Search engine companies use their data mining capabilities to expand financial services; Manufacturing enterprises can develop supply chain finance with the help of their supply chain, and carry out leasing, installment payment and other activities with the help of sales chain; Commercial circulation enterprises can develop consumer finance; Real estate enterprises and art companies can establish corresponding financial procts according to their service attributes. Internet technology makes it more convenient for financial activities to explore the value links between the upstream and downstream of the instrial value chain, develop credit, and form a rich and colorful enterprise financial activities. Therefore, the boundary between pure financial enterprises and non-financial enterprises is becoming increasingly unclear
Internet finance promotes the formation of win-win cooperation model. The Internet realizes the interconnection of all walks of life, realizes the comprehensive penetration of financial activities into all walks of life, and forms a value network that the whole society generally depends on. Relying on the Internet, realize the integration of financial network, logistics network and business flow network, so as to promote the business activities most effectively. To seek cooperation in the cooperation network is to seek the maximum play of their own advantages, to seek the minimum cost of their own disadvantages, and to actively join the value creation system to share value. This kind of cooperation has given birth to a win-win culture of cooperation, which is to jointly maintain the cooperative relationship, stick to the credit and take responsibility. The existence of network makes wealth flow, increase in value and optimize the allocation in the movement. For financial enterprises, there is no need to pursue large and complete, small and complete, and have everything; A series of outsourcing relationships can be formed vertically and horizontally, including data management, credit card, deposit and loan activities. In the cooperation system, we should retain our core competence and use the leverage of cooperation to achieve the greatest possible value creation. More importantly, the core competence of financial institutions is the ability of relationship managers in the value network, the ability of credit providers and maintainers, the innovation ability of proct supply and service demand docking, and the R & D ability of risk management and value creation process
the far-reaching impact of marginal cost zero. Network finance creates platform advantages. Under the perfect platform, the service cost of new customers tends to zero. This can attract a large number of customers to enjoy the network service almost "free". While enjoying the service, it can also create the growth of the total value of network resources and form new value-added service contents and forms. Under the Internet trend, the business model is no longer a simple profit model. Because in the process of Internet commerce and financial development, non-profit status often dominates the future survival and competitiveness. Tengxun's social network, Internet search engine, Ali's network business platform and Alipay were once free. The sharing platform created by the Internet makes people get used to and rely on the platform to survive, forming a new economic and social ecology. In this new environment, a large number of micro innovations emerge, forming a new value growth space. The new business model pays special attention to customer experience, platform sharing, micro innovation, customer interaction and market development. All these constitute the thinking of Internet finance. Under the Internet thinking, collaborative sharing graally improves the original system
Netease's flagship IP, Oriental Fantasy Theme MMORPG mobile game "Tianyu", Yushi final test will be officially opened on October 29, starting recruitment today
in Tianyu's rich and interesting three-dimensional world of heaven and sea, heaven is not only heaven, but also a boundless valley of freedom in the course of fantasy; The sea is not only the sea, but also an amusement park for adventure lovers
this final test also adheres to this principle and creates a wonderful adventure for players in all directions! Tianhai grand stage, fantasy cloud hanging waiting for you
five new maps of jellyfish forest, shadow corridor, green algae garden, light whale fall and quicksand waterfall appeared in this test. Under the tree of Sansheng, I look at the xuanjing and listen to the long songs of the Xizu
the sea is full of magnificent sceneries, endless changes, reverie and pleasure! Players can choose to go to the deep sea to search for treasure and accept the new limited time challenge; You can also take the romantic two seafloor vehicle to enjoy the fantastic underwater scenery
when many friends play Tianyu mobile game, they will find that the peach and plum value is also a kind of currency in this game, and many people don't know through what channels such peach and plum value can be obtained today, I'd like to give you a specific introction on how to get some peach and plum value in this game. In this way, it is also concive to other task strategies in the whole game. The first is the peach and plum value. It requires players to get it in the master apprentice system. Therefore, some players can't get this peach and plum value if they haven't done any apprenticeship or apprenticeship in this game
and in this game, if the activity of apprenticeship is carried out, each apprentice has to complete at least 8 tasks before he can successfully leave after a successful graation, you can also recruit apprentices in indivial tasks, so you can get corresponding initial rewards if you complete these tasks. In the process of completing these tasks, you can get these peach and plum values, and for the players who play this game, these peach and plum values are very useful