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图解互联网金融

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图解互联网金融

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众筹、P2P网贷、微信支付、余额宝……互联网时代,你不得不了解的金融知识:
@众筹与非法集资的区别在哪里?
@如何考察一个P2P网贷平台?
@支付宝给我们带来了什么?
@余额宝跟货币基金是一回事儿吗?
《图解互联网金融》是一本简单的书:用图解和漫画的形式讲解各种知识。
《图解互联网金融》是一本实用的书:只讲述与现实生活密切相关的知识。
《图解互联网金融》是一本有用的书:为读者揭示互联网金融中各种各样的赚钱机会。

Content Description

《图解互联网金融》用“漫画+图解”的形式,为普通人讲述最实用的互联网金融知识。
全书从互联网金融的全景、第三方支付、P2P网贷、众筹、互联网销售平台、互联网理财、网络银行、互联网保险八个方面,全面解读了互联网金融的运营模式、发展前景和风险防控等内容。能帮助读者更好地利用互联网金融为自己创造财富。
《图解互联网金融》适合对互联网金融感兴趣的读者阅读。

Author Description

史册,金融学专业,投资理论基础扎实,熟练掌握市场上各种分析方法。目前主要从事股票、基金等理财工具的实用性研究与分析工作。

Catalogue

第一章 互联网金融全景 1
自从互联网和金融业深度结合后,互联网金融呈现出爆发式发展的态势。互联网公司、金融机构,甚至学术界、政府等,都置身这场热潮之中。
1.发展历程:互联网金融是干什么的 2
2.新的影响:互联网怎样改变金融 7
3.新的模式:互联网金融有多少新玩法 12
4.新的机会:我们怎样通过互联网金融赚钱 17
5.新的风险:支付宝和传统银行谁会先关门 22
6.新的监管:网贷平台合法吗 27

第二章 第三方支付 33
第三方支付是为客户提供信誉保障的支付交易平台。这一平台由与银行签约的独立机构提供。在这种模式下,买卖双方并不直接交易货款。
1.发展现状:支付宝和财付通有什么区别 34
2.运作流程:支付宝里的钱也是存在银行吗 39
3.运营模式:支付宝和快钱的区别在哪里 44
4.影响分析:除了方便,支付宝还带给我们什么 49
5.风险分析:钱放在支付宝安全吗 54
6.风险防控:手机丢了怎么办 59
7.发展前景:未来谁能取代支付宝 64

第三章 P2P网贷 69
P2P网贷是指在网络信贷公司提供的平台上,借贷双方自由竞价、撮合成交的一种资金借贷方式。P2P网贷有广阔的发展前景。
1.运作原理:网贷的钱都去哪儿了 70
2.运作流程:怎样向陌生人借钱 74
3.发展现状:从哪几个维度考察一家平台 80
4.运营模式:有担保的平台就一定安全吗 85
5.影响分析:网贷对银行贷款有多大冲击 90
6.风险分析:平台对项目的评估可信度高吗 95
7.风险防控:怎样选择低风险的投资渠道 100
8.发展前景:P2P行业能不能诞生下一个余额宝 104

第四章 众筹 107
众筹是指大众通过互联网和第三方支付平台参与完成集资的活动。众筹汇集了资金、创意、实干和运作等多种环节。
1.运营模式:众筹和P2P网贷有什么区别 108
2.运作流程:《十万个冷笑话》给投资人带来什么 113
3.风险分析:“非法集资”的红线在哪里 117
4.风险防控:赚钱和乐趣哪个更重要 122
5.发展前景:靠众筹赚钱可行吗 127

第五章 互联网销售平台 133
2013年,余额宝一经上线,即引发了互联网基金销售的热潮。这个市场的规模不断增长,吸引了许多模仿者进入,“宝宝”们纷纷登场。
1.平台产生:余额宝为什么能火起来 134
2.运作流程:为什么余额宝收益率越来越少 138
3.平台现状:各种宝之间有多大区别 142
4.发展前景:余额宝能取代银行吗 145
5.业务扩展:有没有既能赚钱又能交友的平台 149
6.海外发展:美国版的“余额宝”为什么会关门 152
7.风险防控:余额宝真的不会亏钱吗 155

第六章 互联网理财 159
互联网理财的具体表现形式千差万别,但本质的运作流程都大同小异,目标都是为投资者提供理财建议、制订理财规划、推荐理财产品。
1.运营模式:怎样从网上获得理财建议 160
2.发展现状:理财只是记账这么简单吗 164
3.风险防控:在论坛上买理财产品安全吗 167

第七章 网络银行 171
银行业一直是各种新技术的坚决支持者。从计算机问世开始,到移动互联网普及,银行业一直积极实践着将新技术应用到自己的业务中,为用户提供更好的服务。
1.发展现状:微信银行安全吗 172
2.运作流程:支付宝对网银的冲击有多大 176
3.业务扩展:银行开的电商能有前途吗 179
4.海外发展:网络银行能取代传统银行吗 183
5.风险防控:手机不能插U盾怎么办 186
6.发展前景:阿里巴巴开银行了,传统银行怎么办 189

第八章 互联网保险 193
未来互联网保险行业的趋势将由第三方平台主导。第三方平台可以全面提供金融产品,同时又可以用其资金作为后盾,保证产品安全。
1.发展现状:除了便宜,在网上买保险还有什么好处 194
2.发展历程:网上买保险也会遇到烦人的业务员吗 197
3.运作流程:所有保险都能在网上买吗 200
4.海外发展:为什么保险超市发展空间有限 204
5.风险防控:网上买保险后怎样保证理赔 207

Book Abstract

1.发展历程:互联网金融是干什么的
金融即资金的融通,是一个将资金由供给者输送给需求者的行业。
金融行业最初的形式是古代的钱庄。它们一方面收取储户的钱,到期支付本金和利息,另一方面把收到的资金借出,到期收回本金和利息。借款利息和储蓄利息之间的差额,就是他们的收入。
(资金供应关系图)
随着时代的发展,金融行业被更细致的划分,出现了股票、债券、基金、保险等多种金融市场。我们可以把这些金融市场划分为两个大类。
一类是间接金融市场,例如基金市场、保险市场等。这种模式和古老的钱庄经营非常相似,都是由一个专门的机构负责经营。
(间接金融市场关系图)
另一类是直接金融市场,例如股票市场、债券市场等。这种模式下,没有专门的机构在中间负责经营,资金直接在供给者和需求者之间融通。
(直接金融市场关系图)
……

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