文献出处：Oyelere P. The study on internet financial talent’s structure[J]. Accounting & Taxation, 2016, 2(1): 79-91.原文The study on internet financial talent’s structurePeter OyelereAbstractThe rapid development of Internet financial, Internet financial products and model innovation. Development of industry, however, cannot leave the talent support, especially the financial industry, the Internet has many industries such as the Internet, finance, media convergence characteristics, demand for talent is diversified and complex, the traditional financial talent and IT can't satisfy the Internet financial demand for talent. So you need to study summary to the existing Internet financial model, analyzes the talent structure, these talents knowledge skills. On the one hand, fill the blank of the theoretical study of the Internet financial talent; on the other hand, for education to cultivate the Internet play a guiding role of financial talent. Keywords: internet financial, personnel structure, business process1 IntroductionSince the Internet technology in the 20th century was born in the United States, with the Internet as the core of information technology into the era's most important global wave of technology, and the immeasurable speed and energy changing all walks of life, to People's Daily lives, a major impact on politics, economy, culture, promote the society into the network social form. In essence, financial itself is digital, and the Internet have the same number gene. Since the birth of the Internet technology, the Internet is closely related with the financial sector, the symbiotic development. Consistent innovation based on the Internet for the whole industry and the domestic special financial environment, the development of the Internet financial has its prime mover and broad prospects. On the one hand, the rapid development of Internet financial and good expectations, on the other hand is a lack of good and bad areintermingled and talent development in the process of enterprise.2 The ecological analysis of Internet financial2.1 The development of the Internet financialFrom a global perspective on the history of the Internet financial check, you can find the following events: the iconic 1992 E - Trade companies in the United States launched online securities trading; The United States in 1995 established the first network bank, the security first network bank (SFNB);In the late 1990 s, the mobile phone bank was born in the Czech republic; In Japan in 1999, the first complete the insurance company of business of selling insurance via the Internet;1998 pay (Paypal) as a trading company in the United States; In 2005, the world's first appeared in Britain P2P lending platform Zopa; In 2008 the first the indiegogo raise platform was established in the United States.In 2005-2012.At this stage, no longer pure Internet and finance is the combination of technology, and deep into the financial business areas: network lending began to sprout, the suggests to enter, third-party payment gradually grow. After that, the P2P lending rapid development platform. Moreover some traditional Banks, brokerages and other financial institutions also rely on the Internet, the restructuring of the business model innovation, speed up the construction of innovative online platform. The future, the Internet financial will rely on big data, cloud computing application data, and even the Internet of things to produce more likely.2.2 The definition of internet financial modelThe Internet financial as a spectrum, and according to various financial form in pay three differences, information processing, the allocation of resources will be in the field is divided into six main types: 1) the financial Internet, the Internet for financial intermediation and market instead of physical network, human services, including Internet banking, mobile banking, securities and insurance companies, network financial trading platform, online sales of financial products.2) mobile payments with the third party payment, reflect the Internet's impact on financial payment.3) the Internet currency, is the Internet's impact on monetary form.4) basedon big data inquiry and network loans, refers to using technology of data base and credit assessment and loan, greatly improve the information asymmetry.5) loans, P2P network based on Internet platform of personal debt, debt financing mode.6) the suggests, it is through the Internet equity financing model for the investment projects to raise equity capital. Starting from the demand of financial to categorize. Whether in traditional financial times or the financial times, the Internet is consistent, the basic demand for financial, investment, financing, and payment. Pay on demand, Internet financial sector has a third-party payment mode and Internet currency; In terms of investment and financing needs, by providing enterprise (regardless of the enterprise for the Internet company or financial institution or both) its own financial products to investors and financiers capital turnover and respectively: electronic banking, securities and insurance network sales, big data loans, Banks, such as the Internet insurance mode; In investment and financing channels on both sides of the third party intermediary, and produced: fund net sales and Internet brokerages, P2P loans, the raise pattern, etc. In the field of information supply produced a big data reference model. Produced in the field of payment for the mediation of the third party pay model and as a medium of payment mode of Internet currency.3 The structure process of internet financial talentTalent structure, this article from the perspective of group research state, but not from macroscopic Angle research group talent structure, but from the perspective of medium industry, enterprise, Internet finance talent group structure were studied. Besides talent structure dimension is more, we mainly focus on the knowledge skill structure this dimension.3.1 The structure of third party payment talentsThird party payment of Internet financial models need to be first to the payment system, pay sites, mobile construction, maintenance, operation, in these two show platform construction, the operational personnel demand. In the third-party payment mechanism, the platform system development team is the core enterprise personnel.3.2 Large data structure of talents for the loanBig data loan pattern, first is the development of loan products, secondly, its eachlink involve large data acquisition and analysis, on the basis of a large amount of data to establish various models such as the hydrology trading model, default risk model, the interest rate sensitivity model applied to loans, such as bulk loan so as to realize low cost, so big data talents is the core requirements. Once again, as the loan business, also in terms of customer credit as traditional loans to credit rating. Traditional financial institutions issue loans, credit audit personnel first collecting the data, information from the central bank credit reporting system, from the borrower to provide business information, financial information and the information about assets, secondly to identify borrowers data authenticity, this link time-consuming, often leads to the traditional loan process long, according to the information summary credit decision. Unlike traditional lenders is that its credit rating personnel main job is to the credit index screening, credit, risk model was constructed, the validity of the evaluation model, optimize the model, etc. According to established the credit evaluation model, the risk model, etc., can complete the related data into the credit rating, credit.3.3 The structure of P2P lending talentsP2P lending the summary of the formation of the form according to the above, the first P2P lending relying on Internet platform, platform operating experience, although not significantly affect the choice of the investors, but the platform security is investors consider important factors. Although many small-scale P2P companies choose to buy ready-made website templates, or the website development contract to a third party software developers, but cause the late operation and maintenance difficulties, links and maintenance personnel for long-term development of the P2P lending platform construction is still indispensable.In addition, looking for investors and lenders to link, link and post-loan credit audit collection, most of the P2P lending platform would inevitably involve offline activities, offline activities more fully, the higher the degree of risk control platform. On the hand, the current P2P lending also needs O2O talents.For the platform construction maintenance personnel, mainly to computer knowledge, financial knowledge, marketing knowledge; For product developmenttalents, also need a computer, finance, marketing knowledge; Talent for big data is needed for the computer knowledge, big data and business knowledge; For credit evaluation talented person need is a economic and financial knowledge, mathematics, statistics knowledge, the financial and accounting knowledge, etc. Need for O2O talent is organization, coordination and negotiation skills. For project promotion personnel, need is marketing knowledge. Intellectual skills required to comprehensive the above, the Internet financial talent structure is: the computer knowledge, financial knowledge, big data knowledge, marketing knowledge, business knowledge, organization and coordination ability.4 ConclusionsFor has entered the Internet in the field of financial enterprises, talent is the basis of its sustainable development, innovation, to make it into the field for the future of the enterprise, whether to have relevant talent is whether it can enter the factors to consider.Not only that, but for the Internet financial enterprises, can not have the talent and knowledge structure, Internet financial enterprise and the traditional financial institutions on the organizational structure and culture is also a huge difference between the two. In terms of organizational structure, the Internet post Settings of a financial enterprise, responsibility and organization structure is often based on the enterprise business model and subject to change and the adjustment of the management goal, set up its departments and positions, responsibilities, organization structure must be relatively flexible and flexible. In addition, employees often need to form into a group or team to complete each work, so as to adapt to rapidly changing job content. In terms of culture, culture of the Internet financial enterprises is a sharing, learning, and encourage innovation, to better communication barriers between across the industry convergence and fast learning new knowledge in the development of industry.译文互联网金融人才结构研究Peter Oyelere摘要互联网金融的飞速发展，互联网金融的产品与模式也不断创新。