Financial innovation on the Internet is to make small and beautiful financial, security, trust and happiness, so that everyone, every small business can realize their dreams with the help of financial, rather than become financial The slave.

Finance is born for profit, but the value of financial institutions and financial products is not limited to profit. Whether a financial innovation product is doing well depends on whether it can improve the experience of financial consumers and whether it can make its own contribution to building a good financial environment. "Internet + finance" means putting user needs first, helping users solve problems and realizing the value of financial institutions themselves in the process.

Financial products are managed by money, but the essence is the improvement and excavation of human potential. The eyes of financial products are only staring at the money, they will go astray and forget their initial heart. Passing warm temperament in the cold financial world may become the general trend of financial product development in the Internet era.

To make the world have no hard-to-do business, you have to make financing easy. In this sense, the driving force of the Internet spirit and the use of Internet technology are to make finance more market-oriented and civilian, and to enable small customers to enjoy the same financial services as big customers. Traditional finance has provided personalized services for large customers and wealthy individuals. Therefore, small and micro-business and small-scale and beautiful services should become a major direction of “Internet + Finance”.

The revolution in Internet technology is becoming the infrastructure of a new generation of businesses and making inclusive finance possible. Mobile internet technology makes individuals, not institutions, central. On the basis of this Internet financial innovation, every financial consumer seems to carry banks, exchanges and investment consultants with him. The financial threshold has been greatly reduced, the cost of data collection and analysis has also dropped significantly, and finance has naturally More and more inclusive. This is a positive cycle: the more users think, the more users; the more users, the lower the cost of technology and data, and inclusive finance can do better.

The financial industry is at the crossroads of Internet spirit and financial professionalism, but this is not a one-of-a-kind single-choice question, but a chemical reaction. A popular word in recent years, called "small fortunate", means small and true happiness. Financial innovation on the Internet is to make small and beautiful financial, security, trust and happiness, so that everyone, every small business can realize their dreams with the help of financial, rather than become financial The slave.

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