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首页 > 英语培训 > 互联网贷款英文

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暗香微漾

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Internet revolution to finance, in general, it can be divided into two parts: the Internet and Internet technology thinking, both similar to the relationship between the world outlook and methodology, assisted each other and penetration. Internet technology deeper perspective of specific interpretation can be divided into: big data, P2P networks and all organizations on both sides of the market. Where big data is one of the most important factors. Financial no similar kind of physical production, warehousing, logistics and other processes,However, the data itself is the production, storage, mining, transport, analysis and integration. So big data for financial purposes, compared to other industries, is undoubtedly much greater influence. Big Data, is thinking of the three pillars of technology and data. Big data refers not only to large-scale data, it is above all change a way of thinking, followed by the processing of these data and applications, data, processing technology and application of a list of the unification process technology, finally, big data provided must be sufficient interworking data itself. Thinking big data will change the traditional thinking financial operations, it will change the first mortgage finance credit culture industry, promote and mainstream credit liquidity possible. In particular, China's financial industry has deep-rooted culture mortgage, the loan process in heavily dependent on the collateral, which is a very important reason for SMEs to get loans and services. Cultural let mortgage loan service provider in mind when considering simple and crude. Consider the core mortgage lenders is to determine the value of goods, to ensure that there is a corresponding value space.

互联网贷款英文

177 评论(12)

Charles2Lillian

法律分析:P2P是英文peer to peer的缩写,引申义为对等联网,是一种将小额资金聚集起来借贷给有资金需求人群的一种民间小额借贷模式,属于互联网金融的一种。

法律依据:《小额贷款公司网络小额贷款业务风险专项整治实施方案》 第二条 网络小额贷款是指互联网企业通过其控制的小额贷款公司,利用互联网向客户提供的小额贷款,具有通过互联网平台上获取借款人,运用互联网平台积累的客户经营、网络消费等特定场景信息等评定信用风险,在线上完成贷款全业务流程等特点。

93 评论(9)

不合理存在

P2P是英文peer to peer lending(或peer-to-peer)的缩写,意即个人对个人(伙伴对伙伴)。又称点对点网络借款,是一种将小额资金聚集起来借贷给有资金需求人群的一种民间小额借贷模式。

属于互联网金融(ITFIN)产品的一种。属于民间小额借贷,借助互联网、移动互联网技术的网络信贷平台及相关理财行为、金融服务。

纯线上模式最大特点是借款人和投资人均从网络、电话等非地面渠道获取,多为信用借款,借款额较小,对借款人的信用评估、审核也多通过网络进行。这种模式比较接近于原生态的P2P借贷模式,注重数据审贷技术,注重用户市场的细分,侧重小额、密集的借贷需求。

平台强调投资者的风险自负意识,通过风险保证金对投资者进行一定限度的保障。当前,纯线上模式的业务扩张能力有一定的局限性,业务运营难度高。国内采用纯线上模式的平台较少。

扩展资料:

P2P管理:

“鼓励创新,健康发展”的原则。金融创新是应对资金供给和需求之间不衔接的重要途径。P2P作为金融创新的一种模式,就其本身的功能而言,应受到鼓励。

但P2P的作用不应被夸大,究其本质来说不能脱离“金融的本质+互联网平台”的范畴。因此,对其监管既不能一味限制,刻意压缩其应有的空间,更不应放任自流、听之任之。

回归“金融信息中介”的原则。正规的P2P公司应当是“只做平台,不做资金”,其作用更多地只是在资金的供给和需求之间充当信息中介,并将投资者的资金分散到更多的项目中,以分散投资风险。因而对其监管,应围绕P2P公司的本质展开,以促使其业务回归信息中介功能。

参考资料来源:百度百科-p2p

208 评论(10)

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