2016-06-30 15:22
Monograph: hit the Internet Financial pyramid still need to "keep pace with the times"
[straight news network Beijing June 29 hearing (commentator Jie Shen) in recent years, the leap of modern information technology and the trend of China's Internet, Internet companies and non cross-border financial institutions to carry out financial services provides a rare historical opportunity, but also to the traditional financial institutions through the Internet channel to carry out all kinds of financial service innovation impetus, but Internet banking has become a marketing "outside the law", in face of the new situation to combat Internet marketing need more comprehensive advancing with the times.
Internet financial marketing tools began to advance with the times". Financial investment, it is quite popular in the moment, some marketing organizations are also advancing with the times to play the concept of financial capital operation. From 2015 to this year, according to a survey conducted by the media, commitment ultra high yield is the main way of financial assistance platform to pull the head of, such as claiming that the investment of 60000 yuan to 60 yuan, 15 days can be provided, on income 1%, 30% of monthly income, annual income of 23 times, the development of others to join can also obtain a recommended award, management award equal income and staff development without limit, rebate is no limit, and so on. The way to make money attracted many of financial knowledge and understanding of the little people, especially some dreaming of becoming a millionaire overnight, but they know where, but this is the latest version of the Ponzi scheme, drumming Chuan flower results will eventually have pathetic victims "successor". In the micro channel circle of friends and other network platform for illegal financial pyramid selling directly to avoid the traditional MLM "commodity" carrier, participants in online activities, organization and operation cost is lower, propagation speed faster, hidden stronger, more harmful, functional departments qualitative and hit the difficulty. New marketing tools to reason has the advantage, mainly because of the ride on the Internet, especially mobile Internet "free ride", make full use of large quantity, speed, strong interactivity, facilitate the settlement of payment, embarked on a malignant expansion, the wanton spread of the "fast track".
Internet platform for Internet financial platform regulators need to advance with the times. Internet banking brings new financial format, does give people life brings a lot of convenience, but the development of Internet banking is currently a bit too fast and lack of supervision will bury next hidden trouble to regulation, which the biggest risk is to Internet marketing to vacate the a piece of land. While convenient payment, low participation threshold is a major feature of Internet banking, but also the basis of the rapid expansion of Internet banking, the rapid expansion of the user to attract a lot of users do not favor the risk of customers. On the one hand there is a certain risk but a large number of customer groups, on the other hand, whether it is the net credit platform or third-party payment platform, many participating institutions do not have financial intermediaries the proper financial licenses, industrial and commercial registration is consulting company, lack of industry rules, lack of supervision, exposure is unavoidable. It is because the platform at the beginning of the construction process to ignore a lot of regulatory content can only lead to the last year to this year, our country frequently appear in the case of third party Internet financial companies have run the money. Natural network platform is a double-edged sword, "connection" itself means, one of which is to connected active and healthy communication trading activities, also is inevitable to connect with some obscure illegal activities, people want to enjoy the benefits brought by the former would have to be accepted as a necessary cost of the latter.
Internet financial legal system needs to keep pace with the times. Internet banking as such a has strong vitality of new things and has a broad space for development of new financial system should be said that the current financial legal system of our country is not the for full coverage, not carries on the comprehensive regulation and supervision. In this regard, the state legislature and the relevant regulatory authorities should as soon as possible to shorten the financial legal system and financial innovation and development of the Internet is obviously lagging behind the legislative delay, should attach great importance to the legislation of Internet financial development and innovation. In the Internet financial law can not be introduced in the case, should consider to accelerate the industry self-regulation. At present, the financial marketing and spread of the Internet in the upward trend, the reflection of our own in the MLM organization identification and combat mechanism still exist short board and even loopholes. The development and improvement of laws and regulations on Internet banking, must take into account the use of modern technology means such as big data, cloud computing, social networking and other modern technological means in the development of Internet financial innovation and its impact. 3
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Editor: Xiao Shen
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