How to find a high-quality platform in the internet finance rivers and lakes under the new order?
The first move is to look at qualifications. Up to now, the "national organization" of Internet finance industry belongs to China Internet Finance Association. The inaugural meeting was held in March this year, and the membership list has also become an important factor for the platform to gain recognition. According to the information released to the public, the Association has a strict membership access system, and representatives of outstanding Internet finance platforms such as Jiufu, Ant Financial, Weizhong Bank and lufax were elected as the first governing units of China Internet Finance Association. Since its establishment, the Association has formulated a number of self-discipline laws and regulations, such as data and information disclosure standards, establishment of reporting information platform, and improvement of risk early warning mechanism. Pay more attention to the dynamics of mutual funds associations, and you can learn more authoritative official indicators. It is worth noting that most of the 36 platforms submitted by China Internet Finance Association are well-known platforms such as Ant Financial, lufax and Jiufu. In addition, the first batch of access platforms of Internet financial risk information system under the Payment and Clearing Association in 20 15 also include well-known platforms such as Jiufu. Whether to join relevant associations and organizations with official background can be considered as one of the important criteria.
The second measure is to look at the age. In the past, the statistical data of many problem platforms showed a * * *: the problem platforms were generally established for a short time, most of them did not exceed half a year, and few of them exceeded 1 year. Most of the runners' mentality is to make a quick profit through illegal means, and they have no patience or capital to maintain their operation for too long. Therefore, those who operate for a long time are often more "reliable". For example, Jiufu has been operating for ten years, and CreditEase and Paipai Loan have also been operating for nearly ten years, accumulating a lot of data and performance, so that investors can understand the platform more comprehensively. Imagine if a newly established company suddenly appeared and broke through the scale of tens of billions in less than a year. At this time, you don't have to rush for success, but you should carefully consider whether you will step on the thunder.
The third measure is whether the team has a professional financial background. The so-called professional people do professional things, and finance is a very professional thing. Whether it is in charge of asset management, marketing or technology research and development, those executives or entrepreneurial teams from traditional financial institutions and regulatory agencies such as banks, investment banks, trusts and securities, after years of edification in the traditional financial industry, will have a more accurate judgment on the industry, do things more professionally, be more afraid of risks and have a more sense of compliance. Therefore, they will not tend to grow geometrically in the short term, but pursue reasonable long-term stability. Facts have proved that there are often not many financial professionals in the team of platform executives who have closed down or run away in the past few years.
The fourth measure is to look at partners, investment institutions and cooperative institutions. Capital is profit-seeking. Investment institutions, especially well-known venture capitalists such as IDG, SIG and Jingwei Venture Capital, are very strict in reviewing investment targets, so the platforms invested by well-known investment institutions are relatively reliable. Similarly, birds of a feather flock together. Strategic cooperation often occurs between enterprises that are ecologically matched with each other, and the advantages and disadvantages of partners often become an important criterion to distinguish the advantages and disadvantages of platforms.
Finally, give investors some advice: everyone's investment purpose and risk tolerance are different. Before investing, we should not only distinguish and choose investment platforms, but also tailor and choose investment channels consistent with investment objectives, instead of blindly coveting high returns or stability and falling into herd behavior. Only by mastering the correct concept of financial management and investment methods can we continue to seek gold in the new era of internet finance.