P2P is a new form of private lending. Connecting borrowers and borrowers through the Internet platform can serve the personal loan range that is difficult for banks to cover, and provide credit loans ranging from/kloc-0 to 500,000. The term of P2P products is mostly 1 month, and the longer term is 1-3 years. The expected annualized income of regular P2P products is generally between 8%- 15%, and the expected annualized income of mortgage products is about 12%.
The money fund of Internet Baby Essence, the expected annualized expected return of Internet Baby is between 4% and 6%, which is 10-20 times higher than the historical expected annualized expected return of demand deposits. The biggest feature is that the expected annualized expected rate of return is much higher than that of demand deposits, with good liquidity, which can be redeemed at any time, received in real time, and close to bank cards. Although the expected annualized expected income is not as good as P2P wealth management products, liquidity is still its advantage.
Bill financing, in simple terms, refers to the products that financing enterprises use bank acceptance bills as collateral, rely on banks or third-party platforms designated by banks, trusts, fund subsidiaries or internet platforms, and are entrusted by them, and investors lend funds to financing enterprises through corresponding platforms. Bill financing has short term, low threshold, high expected annualized income and low risk. The investment period is basically within half a year, and the starting point of investment is about 1000 yuan, and the lowest is 1 yuan. The historical expected annualized expected return of products is between 5%- 10%, even higher than 10%. Every product has a bank acceptance bill as collateral to guarantee the realization of creditor's rights.
Modern crowdfunding refers to issuing fundraising projects and raising funds through the Internet. Compared with traditional financing methods, crowdfunding is more open, and whether to obtain funds is no longer based on the commercial value of the project. As long as it is a project that netizens like, they can get the first fund to start the project through crowdfunding, which provides unlimited possibilities for more small-scale operators or creators.
Are online financial products reliable? Some people think that online financial management is very unreliable, and they can't meet each other and touch each other's details. In fact, there are many reliable formal platforms for online financial management, and some platforms have strong background strength.