Some friends around me did get high returns from investing in P2P a few years ago, but it took almost three years to get it. The risk of not coming with a sad face is increasing now. After the barbaric development of P2P, a lot of funds were washed away by this industry.
What is P2P?
P2P is the abbreviation of English peer to peer lending (or peer-to-peer), which means a person-to-person loan on the Internet. I think it's an act of moving folk usury to the internet, gathering small amounts of money and lending out.
Risks of P2P
P2P is a platform, similar to intermediary absorbing private capital, lending it to people in need, and then charging some interest. The problem here is liquidity risk. Such a platform cannot effectively identify the lender's credit. As long as there are more loans and less suction, there are risks.
Some time ago, I read a news that in a village, villagers borrowed a lot of online loans, and then they didn't pay them back. P2P companies came to collect debts and were collectively beaten. Due to the strong cohesion of the villagers in this village, P2P company failed to collect debts many times and its employees were injured.
How to choose a financial platform?
Some time ago, Dai Zhikang was planted on P2P on charges of illegal fund-raising. This is also a boss with a conscience. Many of them lost contact and ran away, and the public money was wasted.
For ordinary people, investment experience is not very rich. I have always believed that we should choose safe and familiar areas. There is also the resistance to high returns, which brings high risks. The choice can be large financial institutions with abundant liquidity, such as banks, Alipay paid by third parties, WeChat, etc.
finally
Resist the temptation of high income at all times. Many people around me bought P2P a few years ago because it was much higher than ordinary bank financing. In this environment, people whose income exceeds 10% should be prepared for the loss of principal.
Most P2P platforms are currently facing a benign exit situation, and it is not recommended to vote.
Under the downward pressure of the economy, it is suggested that some prudent and risky financial management methods can be made with capital preservation as the main factor and income as the supplement.
If the capital is above 6.5438+0 million and the financial assets are above 3 million, you can choose the trust appropriately. The starting point of trust purchase is 654.38+0 million, and the annualized income is between 8-9%. Good trust projects can outperform inflation and achieve the purpose of asset appreciation and preservation.
If the capital is less than1000000, it is suggested that banks should combine sound financial management with Public Offering of Fund. At present, the income of bank wealth management is about 3-4%, which is mainly steady, accounting for about 70-80%. The fund has a profit and loss, and the main function of this part is to obtain good returns, but at the same time, we should not ignore its risks, accounting for about 20-30%.
If you don't manage money, money will ignore you. You are willing to reap wealth on the road of investment.
If the income of wealth management products exceeds 6%, it is a question mark. If the income exceeds 10%, we should be prepared to lose all the principal. The yield of P2P products fluctuates around 10%, which is a high-risk investment. When many people mention P2P, they think of the word "investment loses thunder", especially in the past three years, more than 5,000 platforms have had thunder problems, which makes most people avoid P2P financial management.
The first element of investment is to ensure the safety of principal, not how to obtain high returns. If you pursue high returns, you don't need to do P2P with high risk of thunderstorms at all. You can consider buying stocks and investing in gold. These financial opportunities will be good in the next few years, and you will lose money by your own merits. If you want to earn high profits without losing money, it is unlikely to be realized.
Bank wealth management products. You can consider the wealth management products of investment banks, and choose large deposit certificates and smart deposits for deposits. Although these benefits are not as good as P2P, the funds are safe. You can consider other wealth management products of investment banks, at least there will be no risk of lightning storms. The yield of wealth management products of private banks is also above 5%, and the funds are guaranteed.
Investing in high-risk products. The stocks mentioned above and the gold mentioned above are all opportunities. If you are worried about risks, you can invest in a portfolio, which can reduce risks. Instead, you can get a stable income every year. P2P is to attract investors with high profits. Finally, the problem of overdue payment, bankruptcy and platform liquidation. It is difficult for investors to claim the principal.
Therefore, the P2P industry has been accelerating the clearing stage, and the risks of P2P lending platforms are frequent. Although there are high returns, the principal is accompanied by high risks. Financial management should first consider the safety of funds, and then consider the income. If you blindly pursue the master, the principal will definitely not be guaranteed.
In addition, investors should know their risk tolerance. If they can't afford the loss of principal, don't invest in non-guaranteed floating income products.
First of all, we need to know why the P2P industry is depressed. What is the reason of P2P depression?
P2P is a financial model in which individuals provide small loans to other individuals through a third-party platform and charge a certain fee. Presumably, everyone knows it. So what are the risks in P2P industry?
Moral hazard, that is, P2P platform may fabricate borrower information, in fact, it is financing for itself.
The risk of fund pool includes the risk of running platform and the risk of misappropriating funds privately.
Credit risk, because P2P is a credit loan, most lenders have no collateral, no proof of assets and even no work unit. Coupled with low threshold, high participation and high P2P liquidity, some borrowers may not be able to repay on time.
Bad debt risk, that is, bad debts come from the credit risk mentioned above. If the P2P company has good risk control, it will prepare for bad debts in advance to ensure the normal operation of the company; However, if the company is not good at risk control, once the bad debt rate rises, the platform needs a lot of advance payment, and the liquidity is insufficient, the company may not be able to pay and face bankruptcy.
Network risk, because P2P is a network-based financial management method, all funds are stored in a bank account with a free platform, so the security of the network platform is very high. Once the hacker attacks, the important information of the platform is leaked, and investors' funds are likely to be stolen, which is also the reason why the state proposes to strengthen the supervision of P2P online lending.
I never believed in the future of P2P. Compared with P2P, I think it is more reliable to find seven best funds in Alipay to make a fixed investment.
I have been in finance for so many years and have a deep feeling for this industry. In order to control the bad debt rate, every company has to raise interest rates, but the country controls the annualized rate at 36%, and the operating costs of many companies are not enough. I feel that this industry will have to wait. After all, we must follow the pace of the country.
This industry is in recession now, but it is very risky to clear the field.
Since the emergence of 2065 438+03 P2P, I have been holding a wait-and-see attitude towards the so-called Internet finance, because the so-called Internet is only online and offline private lending and usury, and many of them are doing gray or even black activities under the guise of Internet finance. From the financial point of view, there is no innovation at all, and it is barbaric and overgrown with weeds. However, in recent years, the country has been more tolerant of these new things, "let the bullets fly for a while" to see if anything new can be created. After several years of trying, it seems that this industry has not brought substantial innovation, but also caused many risks, so the state decided to control risks.
First, some provinces and cities began to clean up and rectify as a whole, including Hunan, Shandong and Shenzhen, and withdrew completely.
Second, the central bank has made it very clear that all financial institutions should be licensed to operate, and those that have not been cleaned up in the future should be gradually incorporated into the norms.
Third, the law has made it very clear that being a professional lender can constitute the crime of illegal business operation. Most P2P can fall into this category, and may enter the category of being attacked at any time.
Fourth, the possible transformation direction of the whole industry in the future is information intermediary (that is, information publishing platform), rather than becoming a credit intermediary (there can be no fund pool) as it is now. Investors should judge the borrower's credit status by themselves, which is tantamount to blind people touching the elephant, and investors and borrowers are completely asymmetric in information.
So this industry is almost dead. Take the money out as soon as possible, and don't enter it again without it.
Investing in P2P, not afraid of thunder? At present, the industry is in the stage of deep clearing, so avoid it.
It is recommended to buy bank wealth management products directly.
Or buy Public Offering of Fund, with professional team operation management and reliable risk management.
The purpose of investment is to preserve and increase value. If the risk is beyond your tolerance, you would rather not invest, at least you won't lose money. Inflation is a common phenomenon in the whole society, not a scourge.
I don't recommend buying wealth management on P2P, which is unreliable. Many apps are illegal. If you have reliable acquaintances, you can borrow some folk usury. Without reliable people, you can buy some insurance wealth management and fund products on Alipay and JD.COM. No matter what kind of financial management is risky, it is necessary to look carefully at investment and financial management.
In this case, all investors in p2p should get off the bus and wait for the policy to be clear before participating properly. Personally, I think the fund's fixed investment is also good, and it can be properly laid out.
How much exactly?