Internet financial management platforms can be divided into five categories: integrated financial (integrated wealth management) platforms, online banking platforms, online platforms of traditional financial institutions such as securities, insurance and trusts, Internet precious metal management, and P2P platforms.
1, Integrated Finance (Integrated Wealth Management) Platform
It refers to the comprehensive financial platforms such as Alipay and WeChat payment launched by Internet giants such as BAT. The wealth management products are complete and can be purchased in combination based on the risk control of Internet giants. For example, Baidu Baifa, Baidu Baiyi, Ant Fortune Lucky Treasure, Licaitong and other regular financial management.
2. Online banking platform
This means that traditional banks have launched their own Internet wealth management products on the basis of the original wealth management products through further cooperation with companies such as the Internet. For example, Shanghai Pudong Development Bank wins every day, Weizhong Bank, Minsheng Ruyi Bao, and Ping An Ying.
3. Fund Direct Selling (Consignment) Platform
It refers to the wealth management products with money fund as the essence and put on the coat of internet finance, and there is no difference in their original rate of return from the products directly promoted by fund companies. Such as Yu 'ebao, Licaitong and JD.COM Wealth Management Fund.
4. Internet precious metal financing
It mainly refers to internet gold financing, including electronic gold, futures gold, gold ETF funds and bank gold financing, which is equivalent to buying gold through internet channels, and some of them can be converted into physical objects. For example, Tencent Gold, Alipay (Boss Gold, Huaan Gold) Gold Fund, Gold Wallet, lufax.
5.P2P platform
With the help of Internet platform, P2P financial management develops the traditional lending industry to the Internet. For example, Fu, Pleasant Loan, Jiufu Pratt & Whitney, Love Qian Bao, Paipai Loan, 5 1 Personality.
What financial products do Internet financial platforms sell?
@ Internet Finance News Center: Funds, foreign exchange, Internet precious metals, online banking products, securities, insurance and P2P platforms all have their own targets, most of which are licensed businesses. In other words, the financial business must be a licensed business, and it is not allowed to operate without a license. P2P is an exception and has not been registered (licensed) so far.
Follow @ Internet Finance News Center to learn more about the latest Internet finance information.
What are the advantages and disadvantages of Internet financial platform financing?
@ Internet Finance News Center: the financial advantages of the Internet financial platform;
1, high income. The annualized income range of wealth management products of Internet financial platform is about 5%- 10%, and its interest rate is generally higher than that of bank wealth management products. The higher the income, the greater the risk.
2. The threshold is low. Many online lending platforms can start from 100 yuan, and change wealth management products such as Yu 'ebao can also start from 1.
3. The cycle is short. Small change wealth management products such as Yu 'ebao can be saved, and online loan products are basically divided into 1 monthly standard and March standard. , with periodicity and flexibility.
4. Simple operation. Online financial management, staying at home, a series of operations such as subscription, subscription, redemption and conversion only take a few minutes in total.
5. The tools are universal, and Internet financial management can be operated with only one mobile phone.
The disadvantages of Internet financial platform in financial management;
(1) Some platforms have many regulatory security problems:
1. Insufficient information disclosure and opaque underlying assets.
2. No bank depository has been implemented, or the depository bank has failed the assessment.
3. Small-scale decentralization is not implemented and financial risks are high.
4. There is no record, which belongs to unlicensed operation.
5. With its own funds and its own strength to be strengthened, it is difficult to survive the "double decline" risk rectification period.
6. There are illegal deposits, illegal fund-raising and running away, and the safety of investors' funds is threatened.
(2) Problems such as regulatory safety cause insufficient investor confidence and loss of users.
(3) Some Internet financial platforms lack strength, risk control, funds and asset quality.
(4) Market space is squeezed. Bank wealth management products such as bank wealth management subsidiaries have influence; Internet giants such as BAT use traffic portals to rob users.
(5) The risks of online payment and personal information disclosure plague all Internet industries.
Follow @ Internet Finance News Center to learn more about the latest Internet finance information.
What should I pay attention to when managing money through the Internet financial platform?
@ Internet Finance News Center: First of all, users should understand the differences between different financial management methods. Different wealth management products have different rates of return, risks and cycle rules. For example, the return and term of investment methods such as online loan financing and bank financing are fixed. Another example is stocks and private placements. There are corresponding experience and capital threshold requirements, and the income varies according to different types. Investors should understand the differences in management according to the situation.
Mastering the characteristics of financial management, in terms of online loan investment, ordinary investors will allocate funds in the short, medium and long term, and maintain effective management of funds in addition to daily consumption. For users, more management should be based on meeting the convenience of life and the flexibility of investment. Different from the game-based investment form, online financial management pays more attention to stability.
Make plans according to the situation. More specifically, according to different assets, specific investments will have high and low returns in different periods. Investors should grasp the market dynamics and strengthen their cognition in time. Investors who are good at grasping investment logic or making plans can improve the financial management effect.
After completing the preliminary work, users should try to choose the platform for filing on public security and industrial and commercial websites, and pay special attention to the fact that some websites are registered overseas. For high-yield platforms, for example, claiming that the revenue exceeds 15%, high revenue means high risk.
At the same time, try to choose a well-known platform, do more research on the platform, and disclose information. There is no third-party custody, no guarantee, no investment, and the security of funds is not guaranteed. It is easy to break the capital chain and the risk tolerance is too low.
After choosing the platform, we should pay more attention to the specific requirements such as novice logo, reward amount, trading time limit and so on in detail to protect our own interests to the greatest extent. Take wealth management products as an example. Sometimes, the platform will launch some wealth management products for customers. Slogan can help you grab the bid that you can't usually buy, but at the same time, you will often bundle other wealth management products invisibly.
Follow @ Internet Finance News Center to learn more about the latest Internet finance information.
What are the risks of Internet financial platform financing?
@ Internet Financial News Center: Credit risk, lax credit review of Internet financial platforms, substandard credit of borrowers, provision of false information, etc. The borrower's failure to pay back the money in time is also a credit risk. The borrower needs to extend the repayment period and pay a higher penalty interest. However, at present, the capital recovery of internet financial loans is equal monthly repayment of principal and interest, and borrowers' default and false loans are the two main subjects of credit risk. The more borrowers there are, the higher the requirements of Internet finance for credit risk management.
Liquidity risk of funds. Lenders apply to recover the principal in advance when the lending funds are not due, but most Internet finance companies are not allowed to recover the principal in advance, and even if they do, they will charge related fees.
National policy risk. At present, the supervision of internet finance by relevant departments is gradually going on, and changes in regulatory policies may lead to the inability of the platform to operate.
The risks of the Internet financial platform itself, whether the platform operates normally, whether it has a formal business license, whether its business scope is legal, whether it absorbs deposits, whether it lends money, whether the transferred creditor's rights are true and effective, and whether it has a third-party payment platform. Do not touch the funds of wealth management customers to ensure the safety of investors' funds.
Follow @ Internet Finance News Center to learn more about the latest Internet finance information.