How to believe in network investment and financial platform
: Financial management
When it comes to the network investment and wealth management platform, small companions will not feel unfamiliar. Since the introduction of P2P in 13 years, its speed of development has been unstoppable. Especially in the past one or two years, the P2P online loan platform has developed very rapidly. The number of P2P online lending platforms in 2015 exceeded 2,000, and the P2P online lending period has come. In the past year or two, it has been very fast. Due to the gradual growth of Internet finance, the P2P online loan industry has begun to develop. Many companies and banks have participated in the P2P online loan market. With the introduction of regulatory policies, the P2P industry faces A big shuffle. Since the launch of P2P, there have been many negative news. Why do you still insist on investing? According to Xiaobian, the reason why P2P financial management is going smoothly from time to time is that he did deal with the crisis that the people need to use money urgently, but in the wealth management products. Today, how should investors choose from this? From the announcement from January last year to the recent announcement, the Dagong blacklist has covered 1,277 online lending platforms. These platforms touch on key issues such as the nature of the platform, inadequate disclosure of information, and inability to evaluate debt-servicing capabilities. The China Banking Regulatory Commission issued four regulatory red lines, and the household accounting rules network loan platform needs to understand the nature of the intermediary. However, many platforms do not currently do this, but have a pool of funds and self-integration. Wind control is always the line of P2P online lending platform, and how can we strengthen the platform's risk control? Yuan Rongsheng, director of Li Rongbao's risk control, believes that “only physical mortgage, full-value physical mortgage is the most secure way to reduce bad debts. The way. Real and effective full collateral is the last line of defense against the borrower's inability to pay, and the safest line of defense. Recently, the phenomenon of the fund pool has been valued by more and more investors. There are very few platforms for small-scale financial management to be funded by third parties. The third-party fund custody can avoid the flow of funds into the platform. The bank account constitutes a pool of funds, reducing the risk of misappropriation of funds. The central bank and the China Banking Regulatory Commission have agreed at the meeting to define the illegal fund-raising of the online loan industry that the proposed platform funds will be suspended by banks or third-party payment companies. Currently, more than 2,000 P2P financial platforms require less than 40% platform compliance. Although some platforms advertise their own funds are hosted by third parties, but can not afford to investigate. The platform does not guarantee that this is a premise of the nature of the intermediary, but this does not mean that the platform has no guarantee. The platform with a special guarantee institution to provide full principal and interest and joint guarantee guarantee is obviously stronger than the unsecured online loan platform. Xiaobian advised that when investing in wealth management products, Bank of Communications wealth management products should pay more attention to the high-quality performance of products, instead of pursuing high-yield, and want to avoid losses in the wave of shuffling to ensure the benefits, they begged investors to start When investing in the platform, it is necessary to pay attention to the network investment and wealth management platform that is far away from the illegal operation.