The Mechanism of Internet Finance on the Assets and Business of Commercial Banks in China

Internet finance has structural impact and market impact on commercial banking.Various forms of Internet finance such as third-party payment,crowdfunding,P2P lending,and internet money funds have emerged.Due to their low cost,high efficiency,and diversification characteristics,an increasing number of people are utilizing Internet finance for their businesses.This trend significantly affects traditional commercial banking operations and presents challenges.In order to gain competitive advantages through Internet finance,this paper explores how commercial banks can leverage their traditional business models.It introduces the concept,model,and characteristics of Internet finance;analyzes the importance of asset management for commercial banks;examines the influence of Internet on commercial bank’s asset management;finally proposes countermeasures for the development of Internet finance.It is advocated that commercial banks should actively explore the road of“structured finance”with all-round structural reform in the future.

Research on the Application of Big Data Technology in the Integration of Enterprise Business and Finance

With the advent of the era of big data,traditional financial management has been unable to meet the needs of modern enterprise business.Enterprises hope that financial management has the function of improving the accuracy of corporate financial data,assisting corporate management to make decisions that are more in line with the actual development of the company,and optimizing corporate management systems,thereby comprehensively improving the overall level of the company and ensuring that the company can be in business with the assistance of financial integration,can better improve and develop themselves.Based on the investigation of enterprises and universities,this article analyzes the problem of accounting talent training from both the demand and supply ends,and puts forward some suggestions for the teaching reform of accounting integration with big data in financial colleges and universities,and strives to promote the integration of business and finance.The optimal allocation of enterprise resources will gradually enhance the market competitiveness of enterprises,and explore the application strategies of big data technology in the integration of enterprise business and finance.

Optimization of Corporate Financial Management from the Perspective of Industry-Finance Integration

Enterprises can enhance their financial management by integrating their business and financial departments,facilitating the seamless sharing of information and resources.This integrated management model not only aids in lowering operating costs but also boosts market competitiveness.In the contemporary,highly competitive business landscape,the amalgamation of business and finance has become a prerequisite for corporate development.This article delves into the significance of industry-finance integration in corporate financial management,scrutinizes existing challenges in corporate financial management,and puts forth tailored solutions to optimize the overall system.

Construction of emerging business education in vocational colleges from the perspective of integration between industry and education

The construction of "emerging business education" came into being under the transformation of industrial revolution and scientific and technological revolution. The "emerging business education" has five characteristics of new connotation, new technology, new majors, new curriculum, and new talents.. The current situation and the challenges of "emerging business education" in vocational colleges are that the new connotation is unclearly defined, the new technologies are untimely updated, the new majorss are unreasonablely set, the new courses are not tightly connected, and the new talents are unsoundly trained. The construction of "emerging business education" in the vocational colleges should build a "emerging business education" system of integrating industry with education, improving technical support, rationally setting up majors or specialties, optimizing the curriculum system, and improving the talent training system.

Does microfinance foster the development of its clients?A bibliometric analysis and systematic literature review

This paper conducts a scientometric analysis and systematic literature review to identify the trends in microfinance outcomes from the perspective of their recipients,specifically more vulnerable people,while also focusing on the demand side.Applying the keywords“co-occurrence networks”and“citation networks,”we examined 524 studies indexed on the ISI Web of Science database between 2012 and March 2021.The subsequent content analysis of bibliometric-coupled articles concerns the main research topics in this field:the socioeconomic outcomes of microfinance,the dichotomy between social performance and the mission drift of microfinance institutions,and how entrepreneurship and financial innovation,specifically through crowdfunding,mitigate poverty and empower the more vulnerable.The findings reinforce the idea that microfinance constitutes a distinct field of development thinking,and indicate that a more holistic approach should be adopted to boost microfinance outcomes through a better understanding of their beneficiaries.The trends in this field will help policymakers,regulators,and academics to examine the nuts and bolts of microfinance and identify the most relevant areas of intervention.

Exploring the Frontier of Business and Cultivating Excellent Business Talents——Exclusive interview with Liu Xuexin,Dean of the Business Administration College of the Capital University of Economics and Business

Currently,Beijing has more than 30 universities,with four out of these being key municipal-level universities,one of which is the Capital University of Economics and Business(hereinafter referred to as CUEB)(the others being Beijing University of Technology,Capita Medical University,and Capital Normal University).“Although CUEB is a municipal-level university,it consistently ranks highly across the country.Among more than 60 finance and economics universities,five are directly administered by the Ministry of Education,and CUEB is ranked about seventh,”said Liu Xuexin,Dean of the Business Administration College of CUEB in a recent exclusive interview with China’s Foreign Trade.

Research and Practice on the Cultivation Model of Compound and Innovative Talents with Interdisciplinary--Taking the“Internet+Finance”Experimental Class as an Example

As major contemporary scientific,technological,economic,and social issues are highly comprehensive and interdisciplinary,society has entered a period of systematization and integration.The traditional education model of“discipline-centered”makes the training of talents excessively“single”,while the actual problems are becoming more and more complex and comprehensive,reflecting the multi-disciplinary nature.Disciplinary professional education is not suitable for the current new economy,new industry,and new era.Taking the“Internet+Finance”experimental class as an example,this article elaborates on the reform ideas of an interdisciplinary and compound innovative talent training model,and details the reform experience in four aspects:the curriculum system,characteristic professional orientation training model,collaborative teaching organization model and interdisciplinary talent training management model.After two years of construction and practice,the goal of interdisciplinary talent training under the background of new engineering disciplines has been achieved quite effectively.

The Trend of Scientific and Refinement of Financial Management in Business Units

In the new era,financial management has become increasingly sophisticated and has had a significant impact and change on various industries and fields.This paper analyzes the key significance of performance appraisal in institutions and proposes ways to enhance performance appraisal innovation,which will prevail in financial management innovation in institutions and upgrade the value of its applications.

Qi Business Culture and the Cultivation of Financial Professionals in Higher Vocational Institute

This paper combs the rise and development process of Qi business and Qi business culture,and concludes that Qi business culture has such spiritual connotations as pragmatism,openness,integrity,innovation,self-improvement and flexibility.It is not only a part of Chinese excellent traditional culture,but also has important time value for today's commercial and trade activities and the cultivation of financial professionals,it can be used to guide the training of finance and economics professionals in higher vocational institute,establish the curriculum system of professional innovation integration,cultural penetration,progressive level and the hybrid teaching mode of matrix theory and practice integration,so as to cultivate outstanding technical and skilled talents of finance and economics major.

Securing Stock Transactions Using Blockchain Technology: Architecture for Identifying and Reducing Vulnerabilities Linked to the Web Applications Used (MAHV-BC)

This paper deals with the security of stock market transactions within financial markets, particularly that of the West African Economic and Monetary Union (UEMOA). The confidentiality and integrity of sensitive data in the stock market being crucial, the implementation of robust systems which guarantee trust between the different actors is essential. We therefore proposed, after analyzing the limits of several security approaches in the literature, an architecture based on blockchain technology making it possible to both identify and reduce the vulnerabilities linked to the design, implementation work or the use of web applications used for transactions. Our proposal makes it possible, thanks to two-factor authentication via the Blockchain, to strengthen the security of investors’ accounts and the automated recording of transactions in the Blockchain while guaranteeing the integrity of stock market operations. It also provides an application vulnerability report. To validate our approach, we compared our results to those of three other security tools, at the level of different metrics. Our approach achieved the best performance in each case.

Service and Environment for the Enterprise Business Processes in CIM Integrating Infrastructure

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A Model of Interaction Between the Financial Sector and the Energy Sector:The Hypothesis of Energy Currency

Through an overview of developments in finance and in the energy sector, this work represents an analysis of the relationship of their trends. It is carried out through an interdisciplinary approach. From the original physical currency to electronic payment methods, digital currency is becoming a new concept. It’s still a fiat money which is only as good as the organization that issues it. Because Bitcoin is not issued by any central bank, there is no centralized management of the country;there is a great risk of losing control. Finance is not entirely a virtual economy. So, currency development trends must return to intrinsic value. There is the possibility for the energy currency alsofor its stability. As an energy currency, it is not necessary to print, not to apply the exchange rate, no corresponding pollution, and even better it will help to alleviate the existing environmental problem facing the challenges of global environmental degradation. The international unit of energy can be seen as the unit of energy money because of its intrinsic value. As stated by Scott, there are good reasons to consider energy as a potential currency. If the future integrates energy into the financial system and becomes a means of payment, it will not only eliminate the risk of currency depreciation, but also optimize energy saving and use to achieve environmental protection. The emphasis is given to the integration of the financial sector with the energy one. The aim is to develop a parametric numerical model able toforesee the possibility of combining finance and energy, allowing a sustainable development. This allows us to analyze the pros and cons of the existing energy cryptocurrencies. The last step consists in identifying the main characteristics that this cryptocurrency must have in order to achieve the desired results.

Analysis on Internet Financial Business and Construction of Credit System

Internet finance is a new emerging financial model,using the Internet as a platform,big data and cloud computing as the basis.Supply Chain Finance is the easiest way to enter Internet finance.The thirdparty companies or institutions can invest in Internet financial companies by integrating their industrial chain practices into designing the financial products to reduce credit costs and improve safety.At the same time,it will increase mobile Internet,big data and operational services.Also,it can make full use of the Internet financial platform to provide value-added services for higher and lower enterprise and consolidate the core status of the company in the industrial chain.However,an important issue that needs to be concerned during developing Supply Chain Finance is the construction of a system for credit evaluation.Due to the lack of a unified credit evaluation system,the development of the existing Supply Chain Financial companies suffers from difficulties.Many newly launched companies have difficulties operating due to the lack of a credit evaluation system.Therefore,proper and effective credit indicators are essential for the development of enterprises under Internet finance.From the micro perspective,it is conducive for enterprises to improve their credit under the constraints of indicators,and it can solve the problem of capital raising;from the macro perspective,it is conducive to the standardized development of China’s Internet finance and promotes the comprehensive economic development.Based on this,analyzing the model of Internet financial business and developing an enterprise’s credit index system is beneficial to the development of China’s Internet finance.

Discussion on Consumer Credit Business of Traditional Commercial Banks under Internet Finance

With the advent and development of the information age,the Internet has become the current advancement in all walks of life.The popularization of e-commerce also gives birth to Internet finance.The emergence of consumer credit businesses such as“Yu‘ebao”and“Huabei”has put great pressure on the consumer credit business of traditional commercial Banks.Under the background of Internet finance,in order to promote the development of commercial Banks’consumer credit business,it is necessary to strengthen the innovation of commercial Banks’consumer credit business and meet the development demand of the current information age.