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rectification of the mutual gold industry

Le 19 septembre 2018, 12:53 dans Humeurs 0

  Finance--Special rectification of the mutual gold industry, coordinated development is the mainstream

  Recently, some mutual gold platforms have expressed their enthusiasm through various channels to boost morale, and some platforms have strengthened their strength through practical actions such as financing or strategic cooperation. At present, the special rectification of Internet finance has entered a crucial stage. For institutions, only by insisting on normative development and carrying out innovations that are beneficial to the real economy and macro-control, can it be expected to gain a foothold in the market.

  Collaborative development is the mainstream

  The Internet financial clean-up and rectification work is still going on. What is the mutual gold platform doing? The Financial Times reporter noted that several institutions recently announced financing news. For example, on July 11, Lazy Financial Services announced that it had obtained more than 500 million C+ rounds of financing. Tao Weijie, founder and CEO of Lazy Finance, believes that the platform with real strength still gains capital recognition, and the future high-quality platform will have better development opportunities.

  Then, behind this single financing, how do you view each capital? According to the lazy financial service, this round of investment is jointly invested by five listed companies: Antong Holdings (600179), Zhongtian Energy (600856), Jingui Yinye (002716), Tenjin Entertainment (002354) and Dongfang Netpower (300367). . Based on the attitude of several investors, we hope to use financial technology to promote the development of the industrial chain and achieve strong alliance. For example, Cao Yonggui, chairman of Jingui Yinye, said that he is optimistic about the penetration of Internet finance and uses the power of the Internet to bring new vitality to Jingui's industrial chain. Xu Jun, investment director of Antong Holdings, said that Internet finance technology is a complex supply chain for the logistics industry. The system has a strong role in promotion and regulation; Huang Bo, president of Zhongtian Energy, said that the financial intelligence technology of the mutual gold enterprise is expected to be able to grow more rapidly and steadily after the industry is empowered.

  Looking at another news, on July 3, ppmoney Wanhui Group and Tianjin University China Social Computing Research Center jointly established a joint financial and scientific laboratory. In the future, the two sides will realize the deep interaction between industry, academia and research, and promote the two-way output of talents, technology and research results. .

  It can be seen from the above two cases that many platforms have gradually opened up the development model of “going out and introducing” and exploring cooperation in many fields of production, education and research. Among them, talents and technology have become the core elements of Internet finance development. As Ouyang Rihui, deputy dean of the China Internet Economic Research Institute of the Central University of Finance and Economics, said in an interview with the Financial Times reporter, Internet finance entered a stage of coordinated development. The so-called coordinated development, that is, the Internet platform cooperates with traditional financial institutions and various industrial organizations, and cooperates and shares development. The Internet financial ecosystem has a symbiotic situation in the competition.

  Chen Baoguo, chairman of ppmoney Wanhui Group, said that the financial technology laboratory under the strong alliance is an important part of the group's “introduction of the outer brain”. The current school-enterprise cooperation hopes to synthesize a positive force and develop in line with current social development needs. The financial technology and technology share the rich experience and data accumulated by the industry, so as to achieve a win-win situation of resource sharing and complementary advantages, and realize the ideal effect of “1+1>2”.

  Risk prevention and control is the focus

  The "Notice on Further Improving the Cleanup and Rectification of Internet Financial Risks" jointly issued by the 17th National people's Bank of China and other countries has proposed that the implementation phase of rectification should be completed by the end of June 2018, and the situation of individual institutions is particularly complicated. After the approval of the provincial people's government, the rectification period can be extended to up to 2 years. Accordingly, it is not unexpected that the p2p network loan is rectified and reorganized.

  Ouyang Rihui believes that the special rectification work of Internet financial risks has achieved remarkable results since its launch in April 2016. A large number of illegal platforms have been cleaned up, and the rectification platform has continued to transform into compliance. p2p online loan reorganization and reorganization will be extended until June next year. On the one hand, it reflects the importance of supervision in this field. On the other hand, it shows that the problem of cleaning up and rectification is more and more difficult. Therefore, it is necessary to maintain high-pressure situation in the field of Internet finance and prevent illegal and illegal finance. The activity is coming back."

  "Overview of these thundering platforms, touch the funding pool, false targets, self-sufficiency self-guarantee and other regulatory red lines, often the source of the crisis. From the perspective of liquidity, the theoretical online loan products do not have a pool of funds, capital assets one by one directly Docking, there is no liquidity risk. However, in order to attract traffic, some platforms give green lights to current and life-like products. In the current environment, it is prone to concentration of funds and cause liquidity risk. In addition, the reputation risk of the Internet financial industry is not allowed. Xiao Yan. At the same time of compliance operation, the mutual gold platform that is willing to do practical things should pay attention to the industry reputation like the feathers.” For the risks faced by the industry, Zhou Zhizhen, general manager of Kaixin Jinfu said.

  Hu Xin, CEO of ppmoney Internet Loan, believes that security is the life and death line of Internet finance companies, and the platform should put the legitimate rights and interests of investors in a prominent position. We will truly implement the principle of capital isolation and asset penetration, standardize healthy development, and effectively protect the legitimate rights and interests of investors.

  Service entity is the subject

  In accordance with the requirements of supervision, the special rectification of Internet financial risks adheres to both standardization and development. For the innovation of legal compliance, benefiting the real economy and macroeconomic regulation and control, it promotes development through legislation; for the pseudo-innovation of illegal activities such as illegal fund-raising activities, Correcting and correcting in a timely manner, resolutely cracking down, effectively promoting the role of Internet technology, supporting mass entrepreneurship and innovation.

  Are practitioners still optimistic about the development of Internet finance? Most practitioners interviewed by Financial Times reporters said that although the road is somewhat tortuous, the prospects are worth looking forward to.

  Zhou Zhizhen believes that as an effective supplement to traditional finance, the role of Internet finance cannot be ignored in supporting the real economy and serving small and micro enterprises. There are no shortcuts to success. The journey is still far away. It is the attitude of a century-old store to be able to win the trust of investors. "The competition for mutual financial assets has already begun, especially in the business of car loans and consumer finance. The competition is fierce and the competition is fierce. In our view, the long-lasting vitality of Internet finance lies in truly supporting entities and services. In the future, On the choice of the asset side, Kaixin Loan does not seek large and complete, and strives to be small and precise, providing reliable and convenient financing services for high-quality small and micro enterprises in more fields."

  Tao Weijie, founder and CEO of Lazy Finance, said that the company adheres to the bottom line of steady development, maintains a high degree of awe in risk, and is committed to combining technology and finance, expanding the margins of financial services, and improving the efficiency of financial links, thereby enabling inclusive finance. Better landed in the financial industry.

  In Ouyang Rihui's view, the development path of Internet finance in the new era should be: return to the financial source, do a good job of "environmental assistance", continuously improve the efficiency and level of serving the real economy, and develop synergistically with the digital economy to better serve the Chinese economy. It is safe to protect the escort.

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drones that go where

Le 17 août 2017, 08:36 dans Humeurs 0

  The crop-spraying drones that go where tractors can't

  By Chris Baraniuk

  Technology of Business reporter

  3 August 2018

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  Image copyrightHYLIO

  Image caption

  Drones can apply pesticides and fertilisers more accurately, proponents say

  Something unusual is happening on farms in the small Central American nation of El Salvador. Many fields, mainly of sugar cane, are now being tended by drones.

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  Large unmanned hexacopters fitted with 20-litre tanks for carrying fertiliser or pesticides follow pre-mapped routes and spray crops accordingly.

  This isn't a case of new tech replacing old farm equipment - some of these fields are being sprayed for the very first time.

  "We're spraying crops that previously have not being sprayed," says Nick Nawratil, chief operating officer of Hylio, the firm behind the trial.

  "That's one huge opportunity that drones are opening up."

  In a country where access to fields is often difficult for tractors and even planes, drones are showing great potential. Mr Nawratil thinks yields could improve by "tens of percent".

  Image copyrightHYLIO

  Image caption

  The drones need human teams to mange them, but labour is cheaper in emerging economies

  At the moment, most of the work with farmers in El Salvador is trial-based, but Hylio is covering a lot of ground. Mr Nawratil says that in one morning a single spray team can service 40 hectares - roughly the same area as 40 international rugby pitches.

  He's seen for himself how much more quickly sugar cane, which can grow to be 20ft (6m) tall or more, shoots up after receiving fertiliser.

  Drones are touted as useful flying farmhands because they can, in theory, improve the precision with which fertilisers, pesticides or fungicides are applied. This is due to their ability to spray specific volumes on GpS-defined routes through a field.

  One South African farmer recently claimed that using drones reduced the pesticide use on her farm by 30%.

  Image copyrightGETTY IMAGES

  Image caption

  El Salvador's terrain can be difficult for traditional farm machinery to navigate

  This improved efficiency could go some way to allaying fears about the environmental damage that overuse of pesticides and fertilisers can cause, such as reduced biodiversity and the poisoning of aquatic life when chemicals run off into rivers after rain.

  For developing countries in highly competitive global agriculture markets, drones are clearly tempting. The philippines recently announced that 5,000 hectares of vegetable farms would be used to test crop-spraying drones, for instance.

  In the future, will farming be fully automated?

  And in India, a similar pilot project on cotton farms was revealed by state authorities in May.

  A few years ago, Stelios Kotakis and colleagues at market research firm IHS Markit projected that there would be around 400,000 shipments of drones to firms in the agriculture and forestry sectors in 2017.

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  Image copyrightpRECISIONHAWK

  Image caption

  Multispectral drone sensors can also see infrared and ultraviolet wavelengths

  "From a [follow-up] survey we did across the industry, we were pretty close to that number," he says.

  There are many tech companies that claim their drone-based farming systems can increase farmers' yields - among them US-based precisionHawk and Airinov in France.

  In Airinov's case, multispectral cameras are used to analyse nitrogen absorption at particular stages of a crop's development, charted on what's known as the Zadoks growth scale.

  This helps farmers work out the best time to add fertiliser and where it is needed most, reducing wastage of this expensive resource.

  A large French farming co-operative called Ocealia has seen an average 10% increase in crop yields, according to the firm.

  Image copyrightAIRINOV

  Image caption

  Airinov's lightweight fixed-wing crop monitoring drones can be launched by hand

  Multispectral sensors can record non-visible wavelengths, such as infrared radiation and ultraviolet light, as well as visible light, enabling them to identify nutrient deficiencies, pest damage, and water deficiency.

  Drones may be automated but they still require humans to pilot, programme and service them, which raises the cost. But in developing countries where labour is cheaper, drones seem more commercially appealing.

  "In countries where manpower is cheaper, it tends to be more widely used than in countries like the US and UK," says philippe Simard at Simactive, a firm that provides software to process imagery from drones and satellites.

  Mr Nawratil says that in El Salvador, Hylio's reliance on local labour helps to avoid job losses.

  Image copyrightGETTY IMAGES

  Image caption

  A fleet of drones transport tea leaves over mountainous Zhejiang province in China

  "We don't have Americans down there running these drones, we train locals, locals are the ones providing the services," he says.

  Mr Simard's company offers farmers the ability to turn drone-captured imagery into 3D maps of their fields to show how water may flow across them - useful when determining how flooding or run-off might affect crops and soil.

  Other things show up in the imagery as well, though. A recent project in Brazil used the system to detect centipede damage on plants, locating where in the field this was a problem.

  But despite these promising case studies, drones in agriculture still have a lot to prove, says Bruce Erickson, agronomy education distance and outreach director at purdue University in Indiana.

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