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What is P2P current wealth management product?

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What is a current wealth management product? For some P2P platforms, the funds can be transferred at any time. At the same time, funds can be transferred out at any time. Products of this nature are collectively referred to as P2P current wealth management products. On the traditional P2P platform, most of the products launched are launched according to the actual borrowing needs, and repayments are made on a monthly basis, and operations cannot be transferred at any time. The realization principle of the current product is transferred to the user: 1. The platform packs multiple loan items into project collection credits every day. 2. The investment user normally transfers the account balance to the current wealth management products every day. 3. The platform will automatically transfer the users into the funds of the current products in a timely manner or every night, and carry out decentralized investment on multiple loan projects. 4. After the project investment is matched, the money will be paid to the borrower. 5. The system advances the interest to the investment user every night. 6. The borrower returns interest to the platform on time. If the borrower pays off the loan, the system will automatically match the funds to the new loan project. User transfer: 1. The investment user transfers funds from the current wealth management products. 2. The loan transfer demand corresponding to the funds transferred by the user is formed every day. 3. The funds transferred by other users to the current products, the system allows new investment users to match these transferred claims in a timely or regular manner. 4. The transfer of the user who transferred the funds is successful, and the platform also returns the interest to the new investment user. Core concerns: 1. Compliance with regulatory requirements. If the current product is a real package, the multiple small loan needs are packaged and sold to the investment and wealth management users. This is in line with the demand. For the user's transfer, it is equivalent to transferring the creditor's rights to other users. Claim. For the advance payment of daily interest, since the amount will not be too large, within a reasonable amount range, the platform can generally advance. 2. Transfer to the current quota every day. With reference to real life, there should be a daily limit for the current product. What is the limit? The reasonable amount should be the total amount of daily new borrowings plus the amount of the user’s yesterday’s transfer. If there is no daily limit for a current project, the amount is very large. Excessive borrowing projects are not in line with normal business, and they are completely inconsistent with regulatory logic, and the pool of funds is exposed. Therefore, when investing in wealth management, if a P2P platform has a current project, but there is no limit, we must be careful. 3. Transfer the amount daily. According to the current product, it is generally allowed to transfer out of cash at any time, but the actual situation is afraid of a run. For example, the platform suddenly causes investors to withdraw a lot, but the platform does not have such huge liquidity, causing the platform to fail to operate normally. Even for banks, it is generally necessary to make an advance reservation for large cash withdrawals. Therefore, if the platform's blind propaganda is obviously unreasonable at any time, if it is not restricted from the platform technology, the user should at least inform the user from the text or agreement. In extreme cases, if the user transfers the current product, there is no corresponding When an investor undertakes a claim, it will fail to withdraw and cannot withdraw cash. If the platform is to directly limit the transfer amount, the general calculation method is: the liquidity that the platform itself can advance + the daily user transfer amount. 4. Platform provisioning fee. From the perspective of compliance, the design of the current product is often difficult to succeed when the user is transferred out. Because there is no user transfer of funds, the creditor's rights cannot be transferred successfully. At this time, the platform has a better experience for the current product. With high flexibility, a certain amount of reserve account can be launched, such as 1000W. At this time, the user will withdraw the cash withdrawal. When no one undertakes, the platform reserve fund account will be purchased first, and when the user transfers funds, The creditor's right of the reserve fund account is transferred to the user. Similar to banks, regulation will also require a certain percentage of funds for customers' deposits to respond to customers' cash withdrawals. 5. User personal quota. Most of the current wealth management products actually have a small slogan, which naturally limits the amount of deposits for each user and increases the dispersion of user investment projects. If you don't limit the amount, first, I have 100 million yuan. I will withdraw it in one month. The light interest will put the cost of your platform down. Second, you have the daily total limit. If you don't limit the personal quota, then It may be occupied by local users every day, and there is no meaning of introducing current wealth management products. 6. The browseability of investment projects. Many current wealth management products, the text description is to help users to diversify the investment of funds on multiple target projects, but in reality, users can not see the details of their investment targets, that is, the platform only makes textual explanations, Show directly on the product. Therefore, the development of such products is also a key point. Under a reasonable user experience, real-life project matching should be achieved as much as possible, so that users can see and improve their sense of security. Summary: In the end, if you understand the P2P current wealth management products from the perspective of compliance, its situation is very embarrassing. On the one hand, if all aspects are restricted, the current period will not be active, and the current period will become a P2P platform. The general function of transferring credits is just too big, and the volume can't be bigger, and it won't be too good for the user experience. On the other hand, if the corresponding restrictions are not imposed, the platform may touch the regulatory red line. There are also many hidden risks in the future, and professional investment users will also raise many questions. Therefore, the current product is not a function that a platform wants to do. It puts high requirements on the stability and operation of the platform and the status quo of development. Only in the right development background can we reasonably launch and convince users not to blindly chase Wind, launching products, and finally become a controversial waste. Of course, as an investor, you should also polish your eyes and have a certain self-risk screening ability and product analysis awareness. After all, many informal platforms nowadays, in order to attract investment users, also like to launch such wealth management products. At the same time, we should not blindly ask the platform to provide a highly flexible product experience. When the platform has some problems, it will blindly withdraw cash and spread it, causing a good platform to be scared. If the supervision of the continuous demand for fund custody, the current p2p wealth management products will increase the difficulty of implementation.


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