I. Basic information
Before the online financial management, it was called the first P2P. Now the website still uses the old domain name, which is very popular in wool circle. In our words, the annualized income is average, there are many activities, and the comprehensive income is high; It doesn't seem to be mentioned in the investor circle, but it is also a big platform with a turnover of hundreds of millions a month. Netcom completed the first round of financing in June 20 14, and introduced nearly ten very powerful partners such as CCB International, but I don't know why I don't mention it now.
Although the background of the online letter is very good, what pioneer payment can actually avoid the confirmation of the bank, and you can draw money from the bank card only by using the platform payment password, but I think the operation strategy of the online letter is not appropriate, especially the red envelope activity. I think this is very unwise. As an investor, I know that investors are unruly and boundless desires cannot be filled. If a platform normalizes its activities, investors will take this acquisition for granted, and the original intention of platform activities will be forgotten. Take the netizens I contacted as an example. Several of them are serious investors in online letters, and almost none of them are wool customers (including me). Once investors are cultivated, it is difficult for the platform to go back. Therefore, whether it is interest rate hike or red envelope delivery, it is necessary to stop, otherwise the negative effects will be unimaginable once the activities are terminated.
Second, risk control.
Large loan amount, medium loan time, suspected bid opening and high risk concentration;
The online trust financing platform adopts the operation mode of P2P+ guarantee. At present, there are 17 guarantee companies cooperating with online trust financing, among which 8 guarantee companies are over-guaranteed and 3 are subsidiaries of Pioneer Financial Group, which are suspected of self-guarantee. Internet financial products are divided into financial management and fund financial management. Wealth management includes P2P investments such as financing loans, car loans, mortgages, loans receivable, pawn loans, and rent-based support. These products are guaranteed by guarantee companies, and the borrower's information is rarely disclosed, only showing that his identity has been audited.
Guarantee companies: United Venture Guarantee Group Co., Ltd., Shanghai Fengzhixing Automobile Financial Information Service Co., Ltd., Beijing Huiyuan Pioneer Capital Holdings Co., Ltd., Beijing Kyoto Tianhe Investment Consulting Co., Ltd., Taizhou Yin Xin Guarantee Co., Ltd., Guanghe Garden Co., Ltd., Shandong United Guarantee Investment Co., Ltd., Guangdong Pioneer Logistics Investment Consulting Co., Ltd., Kechuang Holding Group Co., Ltd., China Financial Leasing Co., Ltd., Shanghai Junyi Business Consulting Co., Ltd. Guotai Tiantuo Asset Management Co., Ltd., Zhengzhou Shengdian Dahe Liquor Co., Ltd., Tianjin United Venture Capital Guarantee Co., Ltd., Beijing United Kaiyuan Financing Guarantee Co., Ltd., Beijing Yaolai Investment Co., Ltd. and Great Wall Huaying Investment Co., Ltd.
Third, investment and financial management always need to pay attention to the allocation of assets, not all money can be bet on one platform. At present, P2P platforms are mixed. From personal experience, you can choose a reliable platform according to the following steps:
1. Look at the background of the platform, including whether it belongs to the listing department, the state-owned assets department, the banking department and the venture capital department, and whether the platform founder team has a strong financial background or industry leaders; Talk to experienced investors, such as economists, loan friends to help online loan bookkeeping APP ask everyone's opinions or something.
2. Look at the operation of the platform. The longer the platform is established, the better. The bigger the trading scale of the platform, the better. The more registered users on the platform, the better. The more daily IP accesses of the platform (which can be viewed through ALEXA).
3. Look at the risk control of the platform, whether to adopt third-party payment custody or better bank depository, whether there is cooperation between small loan companies and guarantee companies (guarantee companies are preferably financing guarantee companies), whether there is risk reserve and whether there is fund depository.
4. Look at the user experience of the platform, look at the user experience of official website, whether there is a WAP website, whether there is an APP, and what are the experiences of these products. A dedicated platform, doing these things well will definitely cost money.
5. Look at the reputation of the platform in the industry. Some platforms are often exposed by investors to all kinds of false information or deceive users. Platforms with these behaviors should pay attention.
How to use Huaxia Sunac's Everyday Financial APPAPP to ensure safety? Tian Li Financial A P P of Sunac has a strong ability to analyze the distribution of creditor's rights, which can help users quickly find suitable wealth management products and maximize their income.
How to do well the guiding ideology and goal of 20 15 steel rolling safety guarantee measures: please read your private letter.
(1) guiding ideology:
Guided by the spirit of the archives of Hong Kong Land Company 1#, adhere to the policy of "safety first, prevention first and comprehensive treatment", firmly establish the concepts of people-oriented, safe development and accident prevention and control, and constantly improve the occupational health and safety management system and safety standardization standards of metallurgical enterprises based on the safety production law, deepen the construction of safety culture with the theme of "caring for life and paying attention to safety" and strengthen the main responsibility of safety production. Taking accident prevention as the main attack direction and standardizing the production and operation order as an important guarantee, we will strengthen the implementation of responsibilities, supervision and management, strengthen risk management in advance, increase investment in safety production, reduce occupational hazards, effectively prevent and contain accidents, promote the continuous and stable improvement of safety production, and provide safety guarantee for the steady development of all work in the factory.
(2) Target: (two guarantees, three liters and four drops)
Two guarantees: to ensure that industrial accidents do not occur, and to ensure that the annual safety production control indicators issued by the company are not exceeded.
Three upgrades: strive to further improve the level of safety supervision and management, the level of independent management in the workshop and the safety skills and quality of employees.
Four decline: the number of accidents, injury level, hidden danger amount and personnel "three violations" decreased year-on-year.
A put an end to personal death accidents, minor injuries (less than two minor injuries) and major machinery, devices, fires and traffic accidents;
B the employment rate of safety managers and special operators with valid certificates is100%; The inspection rate of special equipment used is100%;
C safety education and training rate of new workers 100%, safety education and training rate of post employees 98%, and qualified rate 95%;
D occupational diseases shall be controlled within 0.5‰ of the total number of people, and the completion rate of hidden dangers treatment shall be 98%;
Third, the main tasks:
How to ensure personal safety and live alone before studying abroad? There must be something very important that your own family has never noticed before. Pay more attention to some details such as power supply, gas, doors and windows, because they are easy to forget. Get into the habit of checking these places before going out to sleep, and don't leave yourself a safety hazard.
For freshmen who have just arrived abroad, it is recommended to choose to live in the school dormitory. If you want to rent a house, remember not to choose a remote place, know the terms of the contract in detail, and carefully choose the landlord and co-tenant.
What is the security level of giant financial information? I heard that the information security system used is the same as the bank's, and it has passed the second-level certification of information system security level protection of the Ministry of Security, so it should be more secure.
How to ensure the safety of online financial management? Hello!
I basically agree with upstairs.
All the funds of Netcom Finance are supervised by a third party, that is, the central bank.
The whole process is reliable and true.
In addition, investors can only transfer money to bank cards consistent with their real-name authentication information to prevent others from pretending to withdraw cash.
When new users register and fill in the invitation code FJC648, the income will increase by 0.5%.
Thank you all. Hope to adopt!
Is this kind of online financial management safe? The investment products in Everbright Yunfu's investment platform are very attractive, not only with high returns but also very stable. The biggest feature is that the funds are recovered quickly and safely.
Hello, welcome to pay attention to the wealth management products of China Merchants Bank. At present, our wealth management products have been published on the home page. Open the personal finance page, and you can classify the financial products you need through "search" (if you need corresponding financial planning suggestions, please go to our outlets or contact your account manager directly to try to understand. ) Tips: Please read the product manual carefully before buying.
How to ensure the security of big data? China Net An Angkai Big Database Security Audit System (BAAS) is a monitoring and auditing system based on big data analysis technology to ensure the safe use of big data in real time. BAAS can accurately identify the communication protocol of large databases, record and track the operation behavior of the core databases of large data platforms (such as HADOOP), and express the attribute values of data in the form of multidimensional data, and observe them from different dimensions, thus realizing the security monitoring and auditing of the access behavior of large databases.
Ding-dong wallet is reliable in financial management. How about security? We'll have the answer next month, and we won't know until we use it.