How to invest in p2p is a part of investment and financial management, and a reasonable choice will get good returns.
Personally, I think we can examine the platform security that you are interested in from the following aspects:
1. Registered capital/platform establishment time/background/total financing/financing situation. Registered capital shows the strength of a company to a certain extent (it is better to choose an earlier and more mature platform than some newly established platforms because the business is relatively mature).
2, the advantages and disadvantages of the platform, please be sure to understand the advantages and disadvantages of the platform before investing, confirm whether you can accept the shortcomings of the platform, never regret after investing, and bring yourself unnecessary trouble.
3. Manage the team. The management team of the platform is the decisive factor of the platform's risk control strength. In fact, the background of executives largely determines the operation of the platform.
4. Make sure that the platform you are interested in is not on the blacklist. If you already have a platform of interest, please make sure that the platform is not blacklisted. (Blacklist has many states, such as difficulty in withdrawing cash/bankruptcy/running away/losing contact, etc. )
5. Look at the safeguards. Before investing, you must know how to repay in advance, conditions, time, expenses and sources of expenses if the repayment is overdue.
Finally, don't be too greedy? Risk is directly proportional to reward. For example, the annualized income of love investment is between 7- 15%. When the interest rates of some platforms are too high, we must be vigilant.
How about investing in P2P? It's very common now. Jujubao, the income 14% or so, is quite high, the risk control is quite standardized, and the risk of mortgage bidding is relatively small.
Is P2P financial management very popular now? Why are so many people around playing' micro-gold guest'? P2P platform entered China in about 2006, and began to develop rapidly after 1 1 year, because its yield is generally much higher than that of bank deposits and wealth management products, and there are not too many restrictions on the amount of investment, so it is more popular. Microfinance is a rare P2P platform with huge capital injection in China, with a start-up capital of 1 billion, which is more powerful than other million-level platforms. However, the popularity of micro-gold customers is mainly "two highs and one low": first, the investment income is high, even the expected annualized rate of return of capital-guaranteed products can reach about 7- 13%; Second, the safety factor is high, the platform is well funded, and there is a third-party institution to guarantee the principal and interest of investment projects, which is more trusted; Third, the entry threshold is low, and you can participate in the investment with 100 yuan, and the funds can be withdrawn quickly, which is suitable for personal financial management.
Seeing that many people are saying "p2p follows suit", is this software reliable? You can directly log on to the third-party platform and find the P2P wealth management company you want to know in the platform file, which is more intuitive. You can also log in to official website Customer Service directly, which will also help. It can also be checked on the spot or inquired on the national enterprise credit information publicity system.
There are many P2P financing companies, and you can choose the platform according to your own preferences. Generally speaking, you should pay attention to the following points:
1, see the registration threshold:
Look at the registered capital of P2P platform, find out the details, block P2P without capital ability, and reduce risks.
2. Look at the risk margin:
Risk margin, also known as risk reserve fund and risk margin, is one of the most commonly used security guarantee methods for P2P platforms. When the investment projects on the platform are overdue, the platform will withdraw funds from the risk margin account to advance the principal or principal and interest for investors.
3. Third-party guarantee:
P2P platform uses a third-party guarantee company to guarantee the principal and interest of investment projects on the platform, which is safer than risk deposit.
4. Look at high returns rationally:
The annualized revenue of P2P platform is between 8.8- 15.8%. When the interest rates of some platforms are too high, we must be vigilant.
Investment is risky, and financial management needs to be cautious ~
I wish you a happy life ~
How to correctly invest in p2p investors can screen P2P platforms from four aspects:
Look at the rate of return
At present, the bank's one-year fixed deposit rate is less than 2% after floating up, while the P2P platform can achieve more than 14%, which is really attractive to investors, but the risks have also increased. In the current economic situation, it would be good if the P2P platform can maintain the expected annualized rate of return of around 10%.
Second, look at the company background.
Only when the P2P platform has strength can it achieve better compliance, and the platform background and compliance degree complement each other. State-owned departments and listed companies have rich background platform resources and strong teams, which have inherent advantages in platform compliance and rectification.
Third, look at the cover of the platform letter.
The more real and specific the letter, the lower the risk coefficient of the platform. Investors should not listen to the salesman, but should ask for this information.
Fourth, look at the deposit and management of funds.
As a hard threshold of regulatory requirements, bank depository can separate funds from transactions and avoid the danger of misappropriation of funds. Because bank depository has a high threshold for the financial strength and operational norms of P2P platform, it can be used as one of the reference bases for screening platforms. The real bank fund custody platform is a clear cooperative bank, where investors can inquire about personal accounts.
How to ensure the security of P2P investment from two aspects: selection and investment control?
When choosing, follow the following principles:
1, P2P investment platform funds must be managed by a third party institution;
2.P2P platform provides risk deposit;
3.P2P platform has a good risk control mechanism, you can understand this mechanism.
4.P2P platform has been successfully implemented for more than 3 years.
5. The annual income is at a reasonable level of about 10%.
Investment control must follow an iron law: small amount and dispersion.
Small amount-don't put all your money into P2P, as the case may be, it is generally around 10%.
Decentralization-the investment of each P2P platform should not exceed 200,000.
Now, how to invest in P2P and win-win finance to answer your question.
The supervision is stricter, the p2p platform is more standardized, and investors are now more at ease. In order to strengthen the supervision and management of the business activities of P2P information intermediaries in peer-to-peer lending and promote the healthy development of the industry in peer-to-peer lending, the CBRC, the Ministry of Industry and Information Technology, the Ministry of Public Security and the State Internet Information Office formulated the Interim Measures for the Administration of the Business Activities of Information Intermediaries in peer-to-peer lending according to the General Principles of the Civil Law of People's Republic of China (PRC), the Company Law of People's Republic of China (PRC) and the Contract Law of People's Republic of China (PRC).
P2P financial management has high income, while bank financial management has low income.
Banks divide up a lot of income of financial investors with the list of handling fees, custody fees and management fees. The return on investment is around 4.5%, which means that 2.5% of the income was stolen by the bank in the name of management fees. P2P investment income is clearly priced, and the annualized rate of return is generally between 8%- 12%, which is more than four times that of bank wealth management products.
It is precisely because of this benefit that the national regulatory policy is safer, which shows the development trend of the internet finance industry. In the Internet age, financial management should also catch up with the rapid development of the Internet.
How about P2P investment at present? At present, P2P investment products are considerable.
P2P has a low threshold. The income is between 8- 18%. The risk is controllable. It is a good choice for some salaried white-collar workers.
How risky is p2p investment? Any investment is risky, just considering the size of the risk. Xie Rong University is a financial platform with strong qualifications and background, and has a professional risk control team, which will realize multi-dimensional data analysis for borrowers and minimize investors' investment risks.