More or less investment Most P2P platforms are healthy platforms, and there are many problems, including pure liars and self-financing. The fund pool was set up to misappropriate funds, and the maturity mismatch made it difficult to withdraw cash.
The greater the income, the greater the risk. The benefits of stabilizing the platform are still objective, but the investment should be investigated by itself.
2. Are fixed-income wealth management products risky?
Fixed-income wealth management products are risky, because they belong to wealth management products, and any wealth management product is risky. Fixed income and fixed income are different. Fixed-income wealth management products mean that investors can get income according to the expected rate of return agreed in advance after purchase, but they don't break even. Fixed-income wealth management products mean that most of the money investors buy will be used to buy some low-risk products such as bank bonds, but some of the money will still be used to invest in other things. Fixed income wealth management products must not be fixed income wealth management products. Although the risk is low, it is still risky, so if you buy a fixed-income product, you may lose money, but the probability is very small. Fixed income usually refers to the income that investors get according to the pre-agreed interest rate. For example, when bonds and certificates of deposit expire, investors can get the agreed interest. However, after the introduction of the new asset management regulations, the implicit convention of fixed-income products was broken, and related wealth management products began to change from fixed-income products to net-worth products, which were called fixed-income wealth management products. Although it is no longer possible to guarantee rigid redemption, compared with other assets, the risk of fixed-income products is still relatively low, and it has been loved by many risk-averse people when the market is turbulent. As an entry-level wealth management product, bank deposits are also the most basic fixed-income wealth management products, which have the characteristics of high security and relatively low yield, mainly including demand deposits, time deposits, large deposit certificates and interbank deposit certificates. Judging from the nature of wealth management products, both certificates of deposit and ordinary time deposits belong to the category of deposits and are protected by the Deposit Insurance Ordinance. The biggest difference between certificates of deposit and ordinary time deposits lies in the difference in initial deposit amount and yield. The minimum initial deposit amount of time deposit certificate is 200,000 yuan, and the initial deposit amount of ordinary time deposit is 50 yuan. In recent years, the bank's one-year deposit interest rate has dropped again and again, and now it is 1.5%, while the issuance interest rate of large deposit certificates has basically increased by 40% on the basis of the benchmark interest rate, and the one-year coupon rate is 2. 1%. Bonds are typical fixed-income financial products in the fixed-income market. The issuer pays interest on schedule and repays the principal when due. There are many kinds of bonds in China, which can be divided into government bonds, local government bonds, financial bonds, short-term financing bonds, medium-term notes, corporate bonds and corporate bonds. At present, China has become the third largest bond market in the world. Fixed-income bonds mainly refer to national debt and financial debt. Whether it is national debt or financial debt, their income is higher than bank time deposits. Bond yield is closely related to monetary policy, changes in market supply and demand, and securities risk. Because it is a standardized wealth management product, the liquidity of bonds is relatively strong. Therefore, when issuing government bonds, it will generally face the scene of many investors snapping up. At present, the investment threshold of China's bond market is relatively high, and investors can invest in relatively few varieties, mainly some government bonds and exchange high-grade bonds, most of which are mainly suitable for institutional investors to allocate assets. In addition, due to complete marketization, investors need to be more cautious when investing in bonds with low credit risk. Fixed-income wealth management products are risky, because they belong to wealth management products, and any wealth management product is risky. Fixed income and fixed income are different. Fixed-income wealth management products mean that investors can get income according to the expected rate of return agreed in advance after purchase, but they don't break even. Fixed-income wealth management products mean that most of the money investors buy will be used to buy some low-risk products such as bank bonds, but some of the money will still be used to invest in other things. Fixed income wealth management products must not be fixed income wealth management products. Although the risk is low, it is still risky, so if you buy a fixed-income product, you may lose money, but the probability is very small. Fixed income usually refers to the income that investors get according to the pre-agreed interest rate. For example, when bonds and certificates of deposit expire, investors can get the agreed interest. However, after the introduction of the new asset management regulations, the implicit convention of fixed-income products was broken, and related wealth management products began to change from fixed-income products to net-worth products, which were called fixed-income wealth management products. Although it is no longer possible to guarantee rigid redemption, compared with other assets, the risk of fixed-income products is still relatively low, and it has been loved by many risk-averse people when the market is turbulent. As an entry-level wealth management product, bank deposits are also the most basic fixed-income wealth management products, which have the characteristics of high security and relatively low yield, mainly including demand deposits, time deposits, large deposit certificates and interbank deposit certificates. Judging from the nature of wealth management products, both certificates of deposit and ordinary time deposits belong to the category of deposits and are protected by the Deposit Insurance Ordinance. The biggest difference between certificates of deposit and ordinary time deposits lies in the difference in initial deposit amount and yield. The minimum initial deposit amount of time deposit certificate is 200,000 yuan, and the initial deposit amount of ordinary time deposit is 50 yuan. In recent years, the bank's one-year deposit interest rate has dropped again and again, and now it is 1.5%, while the issuance interest rate of large deposit certificates has basically increased by 40% on the basis of the benchmark interest rate, and the one-year coupon rate is 2. 1%. Bonds are typical fixed-income financial products in the fixed-income market. The issuer pays interest on schedule and repays the principal when due. There are many kinds of bonds in China, which can be divided into government bonds, local government bonds, financial bonds, short-term financing bonds, medium-term notes, corporate bonds and corporate bonds. At present, China has become the third largest bond market in the world. Fixed-income bonds mainly refer to national debt and financial debt. Whether it is national debt or financial debt, their income is higher than bank time deposits. Bond yield is closely related to monetary policy, changes in market supply and demand, and securities risk. Because it is a standardized wealth management product, the liquidity of bonds is relatively strong. Therefore, when issuing government bonds, it will generally face the scene of many investors snapping up. At present, the investment threshold of China's bond market is relatively high, and investors can invest in relatively few varieties, mainly some government bonds and exchange high-grade bonds, most of which are mainly suitable for institutional investors to allocate assets. In addition, due to complete marketization, investors need to be more cautious when investing in bonds with low credit risk.
3. Are fixed-income P2P wealth management products safe?
For some platforms that have done well in P2P small-scale peer-to-peer services in An 'an, the risk has not increased, but may benefit from the elimination of the industry.
The regulatory authorities urgently stopped the local authorities from issuing filing rules, and the filing will be postponed with a high probability.
This filing delay has also released several signals, and we have to read the hidden information.
There are big problems in the acceptance and filing, and the supervision is to give the platform more breathing time for compliance and rectification;
The top management attaches great importance to online loan filing, which is not only a form, but a penetrating supervision, which will only be stricter in the future;
We investors should judge the situation, take it when it is good, and never play games.
First, how to invest next
The regulatory authorities are giving investors more time to retreat from the problem platform, and also giving the platform more breathing space for rectification, acceptance and filing.
Under the current filing environment and thunder undercurrent, it is suggested to invest in P2P platform with certain strength background, simple business model and small asset scale.
Choosing a pure platform for P2P business, Circular 29 has given an ultimatum to the platform of "I am not P2P", either cleaning up the illegal business or operating with a license.
Don't be superstitious about the certificate of the platform. Bank depository, tertiary insurance and ICP are just a threshold, which does not mean safety. The urban financial management that just happened is a good example.
Away from the platform of offline wealth management business, the recent wind is tight and the policy risk is great.
Carry out the spirit of Document No.57, select the asset types of Xiaowei Pratt & Whitney, design products with one-to-one correspondence between investors and borrowers, put them in online banking, and actively clean up the over-limit assets. ...
Don't touch the high-anti-wool watch, lick the blood with the knife edge, and be careful to lose the principal.
The fourth-rate small platform is also cautious and fragile, and can't stand a few big waves. One strategy is to do Kun.
Second, how to choose a reliable and safe platform
To choose a safe and reliable platform, you can choose from the top 50 platforms first, so that the platform is more secure.
However, we can't trust ratings completely. We also need to understand the platform ourselves. It is better to believe in books than to have no books.
Next, let's learn how to choose a safe and reliable platform.
1. Is the michel platini on the platform hard enough?
See if there are well-known enterprises in the platform, such as state-owned enterprises, listed companies and well-known venture capitalists.
Originally, P2P was an information intermediary. If you match the information of borrowers and investors, it's over. You have to charge an intermediary fee.
However, Chinese P2P is influenced by national conditions. If it's just information matching and investors are responsible for their own profits and losses, it is estimated that many people will not be willing to invest in this platform.
Once the platform has just been redeemed, it may mean the loss of a large number of investment customers. Therefore, on the surface, many platforms do not guarantee capital, do not pay, and do not promise to protect capital and interest. In fact, they will still change their methods quietly.
The background of the platform is particularly important. In addition to the strong background of credit endorsement, it also shows the strength of the platform itself.
2. The professionalism of the senior management team
In the final analysis, P2P platform is still the financial industry, and the financial industry is an industry with strong professionalism, high entry threshold and rich practical experience, so it is particularly important to choose a platform with strong financial background and financial genes.
It is best to carefully study and verify whether your team has financial experience and holds important positions in well-known financial institutions before investing.
3. Business capability of the platform
What are the loan projects of the platform, are there any good risk control measures, and are there any safeguard measures once the borrower defaults?
Whether the credit review process of the wealth management company is strict, whether each creditor's right is transparent, and whether bills and creditor's rights lists will be mailed to customers at a fixed time every month.
Whether the loan product itself is of high quality, whether it is a mortgage loan or a pure credit loan, the upper limit of the loan amount must be strictly controlled for a pure credit loan, and the loan amount with collateral can be appropriately higher.
4. How transparent is the goal?
Whether the borrower's information disclosure is perfect, such as borrower's identity information, loan purpose, repayment source, borrower's credit report, collateral information, price evaluation report, etc.
In addition to the above points, investors can also see some clues from the platform's entrepreneurial team, operational data and security. As the saying goes, there is no shortage of gold, and a platform that can really withstand scrutiny is a good platform worth investing in. Only by choosing such a platform can we avoid stepping on thunder and play P2P investment!
5. Is the bank deposit online?
Bank depository can, to a certain extent, avoid the direct contact of the platform with investors' funds and avoid the risks of self-raised funds and fund pools.
However, the signing of the agreement with the bank is not really online, but the cooperation intention of both parties, so it is necessary to make clear that the technical docking has been completed and will be officially launched soon.
6. Degree of conformity
The business of the platform is as compliant as possible, and the required qualifications must be as much as possible, mainly including bank fund deposit, website filing, ICP certificate, information disclosure, positioning in intermediate business and so on.
For example, some time ago, the products of the Gold Exchange were banned, and whether the platform did not launch new targets in accordance with regulatory requirements.
4. Are fixed-income wealth management products risky?
Are fixed-income wealth management products risk-free? A: Fixed-income wealth management products have fixed income on the surface, but actually have risks and interest rate risks. Generally, the yield of fixed income products will be slightly higher than the interest rate of time deposits in the same period to attract investors.
However, in the case of a sharp rise in prices, the monetary authorities will take measures to raise interest rates at any time to solve the problem of interest rate inversion.
The price of investment products will also fall.
Similarly, the value of wealth management products will also decline, although liquidity, risks and benefits are fixed.
But investors' capital demand is not fixed.
The capital demand that may come at any time makes the fixed income unstable.
If the product cannot be terminated or terminated in advance, the cost will be high, which will bring investment losses to investors. The credit risk of the issuer is not great.
But no one can deny its existence
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