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Internet financial services



Introduction

"Online Financial Services" introduces in detail the basic concepts, security management and operation systems of online financial services; comprehensively explains electronic money, electronic payment, mobile payment, clearing and The connotation, system composition, service model and various applications of settlement, online banking, online insurance, online securities and financial supermarkets. The application characteristics, development history and trend of online finance are explained through the case of ICBC online finance supermarket, Alibaba Alipay, Taikang Insurance online system, Galaxy Securities and China UnionPay.

"Online Financial Services" is divided into 10 chapters, which are: Overview of Internet Financial Services, Internet Financial Security, Electronic Payment, Mobile Payment, Electronic Clearing and Settlement, Internet Banking Services, Internet Insurance Services, Internet Securities services, online financial supermarkets, online financial service cases, etc. "Online Financial Services" draws novel materials, combines theories with practice, and is full of illustrations and texts. It explains the concepts and methods of online financial services through practical operations to help students understand and apply online financial services.

Catalogue of textbooks

Chapter 1 Overview of Internet Financial Services 1

1.1 Financial Services 1

1.1.1 The meaning of financial services 1

1.1.2 Characteristics of financial services 1

1.2 Internet finance 3

1.2.1 The meaning of Internet finance 3

1.2. 2 Features of Internet Finance 4

1.2.3 Composition of Internet Finance 5

1.3 Introduction to Electronic Money 6

1.3.1 Electronic Money 6

1.3.2 Virtual currency 14

1.4 Development of e-finance 15

1.4.1 Development goals of e-finance 15

1.4.2 Internet banking Trends of Development 17

1.4.3 Development of Bank Digital Brands 17

Summary 18

Thinking Question 18

Reference 18< /p>

Chapter 2 Online Financial Security 19

2.1 Online Financial Users 19

2.1.1 Classification and Activities of Online Financial Users 19

2.1.2 Security issues faced by online financial users 21

2.1.3 Online financial password security measures 21

2.2 Online financial risks 23

2.2.1 Main types of online financial risks 23

2.2.2 Basic characteristics of online financial risks 26

2.3 Online financial security management 27

2.3.1 Online financial security Question 272.3.2 Network financial security technology 30

2.3.3 Network financial security protocol 31

2.4 Cryptography 34

2.4.1 Basic concepts of cryptography 34

2.4.2 Symmetric encryption cryptosystem 35

2.4.3 Asymmetric encryption cryptosystem 35

2.5 Digital certificate system 37

2.5.1 PKI technology 37

2.5.2 Digital certificate 38

2.5.3 Digital signature 42

2.5.4 Certification center 43

< p>Summary 43

Thinking questions 44

References 44

Chapter 3 of Online Financial Services Catalogue Electronic Payment 45

3.1 Online Payment Tools 45

3.2 Online Payment System 46

3.2.1 Overview of Online Payment System 46

3.2.2 Requirements of Online Payment System 48

3.2.3 Classification of online payment systems 49

3.3 Bank card payment Pay 51

3.3.1 Development of bank card business 51

3.3.2 Bank card payment methods 51

3.3.3 Bank credit card payment system 52

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3.4 Third-party payment 54

3.4.1 Overview of third-party payment 54

3.4.2 Classification of third-party payment 56

3.4. 3 Transaction process of third-party payment platform 56

3.4.4 Model of third-party payment platform 56

3.5 People's Bank of China Large Payment System 58

3.5.1 Introduction to large-value payment systems 58

3.5.2 The development of large-value payment systems 58

3.5.3 The composition of large-value real-time payment systems in China 59

3.5 .4 Functions of the large-value real-time payment system 60

3.5.5 Large-value real-time payment system business 61

3.5.6 Regulations on the processing of large-value real-time payment system 61

3.6 The People's Bank of China Micropayment System63

3.6.1 Introduction to the Micropayment System63

3.6.2 The role of the Micropayment System64

< p>3.6.3 The composition of the micropayment system in China 65

3.6.4 The business of the micropayment system65

3.6.5 The comparison of large and small payment systems66

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3.7 Electronic Commercial Draft System 67

3.7.1 Overview of the Electronic Commercial Draft System 67

3.7.2 Construction and Operation of the Electronic Commercial Draft System 67

< p>3.7.3 Significance and impact of the establishment and operation of the electronic commercial draft system 69

3.7.4 Major innovations in the electronic commercial draft system and the electronic commercial draft business 70

3.7.5 The composition and structure of the electronic commercial draft system 70

3.8 The second-generation payment system of the People’s Bank of China 72

3.8.1 Problems with the first-generation payment system 72

3.8.2 Introduction to the second-generation payment system 72

Summary 73

Question 73

Reference 74

Chapter 4 Mobile Payment 75

4.1 Overview of mobile payment 75

4.1.1 Connotation of mobile payment 75

4.1.2 Classification of mobile payment 75

4.2 Overview of the current situation of the mobile payment industry 78

4.2.1 Mobile payment business 78

4.2.2 Main advantages of mobile payment 80

4.2.3 Mobile payment Brief analysis of operating characteristics 81

4.3 Mobile payment applications 83

4.3 .1 Mobile Wallet 83

4.3.2 Mobile Banking 84

Summary 86

Thinking Question 86

Reference 86

Chapter 5 Electronic Clearing and Settlement 87

5.1 Clearing and Settlement 87

5.1.1 Definition of Clearing and Settlement 87

5.1.2 Types of clearing and settlement 87

5.1.3 Composition of the payment and settlement system 90

5.1.4 Foreign payment and settlement system 92

5.1.5 China’s payment and settlement system 94

5.2 Intrabank Clearing 99

5.2.1 Overview of Intrabank Clearing 99

5.2.2 Development of Intrabank Clearing 100

5.2.3 Types of commercial bank inter-bank clearing business 101

5.3 Inter-bank clearing 102

5.3.1 Overview of inter-bank clearing 102

5.3.2 The position of the central bank in inter-bank clearing 103

5.3.3 Central bank payment and clearing responsibilities 103

5.3.4 Inter-bank clearing process 104

5.4 International Settlement 105

5.4.1 Overview of International Settlement 105

5.4.2 International Settlement Tools 106

5.4.3 International Payment and Settlement System Introduction 107

5.4.4 SWIFT110

5.4.5 Application of SWIFT in domestic banking 114

5.4.6 SWIFT application system of domestic banks 114

Summary 118

Thinking questions 119

References 119

Chapter 6 Online Banking Service 120

6.1 Online Banking Customer Service 120< /p>

6.1.1 Development status of online banking 120

6.1.2 Customer service varieties of foreign online banking 121

6.1.3 Customer service varieties of domestic online banking 124

6.2 Basic Internet Banking Business 124

6.2.1 Overview of Main Internet Banking Business 124

6.2.2 Internet Banking Corporate Banking Business 125

6.2.3 Internet banking personal banking business 128

6.2.4 Internet banking international business 129

6.2.5 Internet banking technical architecture 130

6.3 Online e-commerce financing 131

6.3.1 E-commerce enterprise financing 131

6.3.2 Online financing 133

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6.4 Internet banking investment and wealth management services 138

6.4.1 Personal wealth management services 138

6.4.2 Corporate wealth management services 141

Summary 145< /p>

Question 145

Reference 145

Chapter 7 Network Insurance Service 147

7.1 Network Insurance Business 147

< p>7.1.1 Overview of online insurance 147

7.1.2 The development of foreign online insurance 148

7.1.3 The development of online insurance in China 148

7.1.4 The business model of insurance websites in China 150

7.1.5 Contents and characteristics of online insurance business 152

7.1.6 Problems existing in online insurance business 154

< p>7.2 Online Insurance Business 155

7.2.1 Overview of Online Insurance 155

7.2.2 Online Insurance Process 157

7.2.3 Development Trend of Online Insurance 162

7.3 Online claims business 162

7.3.1 Overview of online claims 163

7.3.2 Online claims process 163

7.3.3 Problems and development trends of online claims settlement 165

7.4 Network insurance system 165

7.4.1 Overview of network insurance system 165

7.4.2 Network insurance system composition Introduction 166

Summary 170

Questions 171

Case 7.1: Buying insurance through eBao.com 171

Case 7.2: Ping An of China One Account Service 172

References 174

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