By the end of 20 14, the number of investors in the P2P wealth management industry in China has reached about 1 1000000, which has grown geometrically in recent two years and is in an explosive growth period. In 20 15 years, the number of wealth managers is likely to increase rapidly to 3 million, 5 million or even higher. Therefore, this year may really start the battle for investors in P2P financial platform.
As we all know, for traditional investment and financial management, high-income and highly educated male investors are the main force. However, in the field of P2P financial investment, due to the low investment threshold, such as cloud money bag, 100 yuan can be invested, and grassroots investors occupy the main force.
According to the statistics of Investment House, more than 50% of the investors who participate in P2P financial management are employees, and their monthly income is generally around 5,000 yuan.
From the perspective of gender, although men still occupy an absolute advantage as the main force of traditional investment, the proportion of women has obviously improved. In 20 14, the ratio of male and female investors was nearly 3: 1, and in 20 13, it was 5.6: 1, and the gap will be further narrowed in the future.
Geographically, the enthusiasm for online loan investment in economically developed areas is relatively high, with investors in Guangdong accounting for 15.82%, but from another perspective, relatively underdeveloped areas have more potential.
The post-80s, who have a high degree of acceptance of the Internet and gradually have a certain financial management ability and awareness, naturally become the main force of online loan investment, accounting for 45.59%.
In addition, I have done some research, but I can't publish it completely. I can tell you some characteristics of this group of people for your reference:
The absolute amount of user investment in 1.P2P belongs to the medium level. If we define hundreds of thousands as inferior, hundreds of thousands as excellent;
2.P2P accounts for a large proportion of the total investment of these users and is an important part of the investment portfolio;
3. Past investment and wealth management income is basically positive, and it is higher than the bank deposit interest rate;
4. The family income level is medium;
5. Other investment products in the portfolio are polarized, and stocks and Yu 'ebao account for a high proportion.
From these, we can actually see that, first of all, mainstream P2P users are not "diaosi" in the traditional sense. Most of them have investment experience and high returns. Some people have a high risk appetite, while others have a low risk appetite, but they also get income through wealth management products/funds, which shows that they are not users who know nothing about investment, and they have a strong demand for maintaining and increasing the value of assets.
In the actual contact, some users are more radical, more than 50% or even all of them are involved in P2P, pursuing high returns; There are also some users whose portfolios are Yu 'ebao +P2P. In fact, this kind of users have a low risk preference, but they don't know enough about the risks of P2P, and tend to think that this is a very safe investment. I never think P2P is a low-risk or risk-free product for most people. There are risks, and the risks are not low. Suitable for small investment rather than large investment. It is a good complement to a low-risk portfolio and certainly not suitable for a high proportion of assets. )
Let's look at common financial options:
1. deposit, the interest is too low;
2. The threshold of wealth management products is high and the yield is low;
3. Yu 'ebao, the income will only get lower and lower;
4. Funds, it is difficult to choose a good fund manager, and the income is not stable enough;
5. stocks, emmm, I don't think this is an investment target suitable for most people;
6. Trust, the threshold is too high.
P2P with high returns and high risks has done a good job in risk control, and the fixed-income model is also in line with most people's investment preferences, which naturally becomes the choice of some people. In addition, the transparency of some platforms, emm, such as our home, is still good. You can at least know who the money is invested in, what is your last name, how is your job, and if necessary, you can also inquire about specific real information. This is also a favorite place for many investors.
P.S. added that most P2P platforms will also provide conditional principal/principal guarantee through different modes, which is also very attractive compared with other options.
I know that many people are skeptical or even negative about P2P, and it is indeed the status quo that the industry is not standardized, but some practitioners are trying to become more standardized and let this matter help more people. Therefore, when you recognize that some enterprises in this industry are serious and honest, P2P is a good asset allocation choice.
More specifically:
According to the development of the market and P2P industry, people who are suitable to choose P2P financial management mainly include:
1, office worker.
For office workers with stable income, it is a good way to choose P2P financial management. Because P2P financial management is more flexible, you can put the money you want to use for financial management into P2P as soon as you get paid every month, especially young office workers, who can control their monthly expenses and avoid becoming a moonlight family.
Young people are also skilled in mastering and using the Internet, and investing in online lending platforms is a salary increase for themselves.
2. housewives.
P2P financial management For a cautious housewife, choosing flexible financial management methods can better open up sources and reduce expenditure. Due to the low investment threshold of P2P investment, the minimum investment amount is 10 yuan (taking Qiantu Online as an example), and the investment time is generally a short-term target of one month, so the turnover is relatively flexible. When you need money, you can also take out the money for financial management.
3. Middle-aged and elderly people with certain deposits.
These people generally have a certain amount of personal savings, while some people have retired and have no other source of income except pensions. In this case, it is appropriate to choose a reliable P2P financial platform for proper financial management. For example, the annualized income of a platform real estate mortgage project is 18%, and there is collateral, which is safe and transparent. For middle-aged and elderly people, on the premise of ensuring the safety of funds, they can also increase their personal income for emergency use and pension.
4. Individual industrial and commercial households and business owners.
Such people usually have large capital flows, such as payment, mortgage, etc. And you can choose short-term investment targets according to the use of funds, so that the funds are basically idle and get more income.