Different from many people's growing experiences, I/kloc-went to college at the age of 0/5 and graduated from graduate school at the age of 20. After graduation, he entered the insurance finance industry, and later became a member of MDRT Life Million Round Table, accumulating rich customer network resources and wealth management experience. However, after working in traditional financial institutions for a long time, I no longer want to make money for the rich, but want to do something that can change society and let the people taste the sweetness. I believe that such a cause will have vitality. After accidentally contacting the P2P market in the United States, I saw the "big market" in China from the "small business" of P2P lending service in the United States, so I came up with the idea of making love to make money. For P2P, first of all, I think it is necessary to have a basic understanding of the concept and business logic. Finally, through some risk control measures we can take, we can enjoy high returns and invest in P2P with confidence.
1. The popularity of consumer finance has become the new normal of today's society.
From a macro perspective, China is currently in a period of economic transformation, and the task of maintaining growth is grim. Transformation needs to appropriately expand the leverage of residents, and "expanding domestic demand and raising consumption" is expected to become an important engine of new economic growth. The development of new consumer finance in China is of positive significance in the innovation of financial products and the expansion of domestic demand.
The income of domestic residents continues to grow, and the consumption concept of "enjoy first and pay later" is gradually recognized and accepted. China's personal consumption credit market started late, and residents' consumption consciousness was restrained. According to the data of the National Bureau of Statistics, the balance of RMB loans in 20 15 years was 94 trillion yuan, while the balance of RMB consumer loans in financial institutions was189,500 yuan, and the share of consumer credit only accounted for about 20%. It can be seen that there is still a lot of room for improvement in this field.
With the improvement of social security and credit information system, the business model of consumer finance has the basic conditions for landing.
2. Data technology is the risk control advantage of Internet microfinance.
Most traditional financial institutions face the problem of credit cost, and there is no data accumulation. Internet financial platform can collect user data and make credit portraits through Internet technology, which solves this problem to a great extent. The industry pays attention to the data and technical advantages of Internet finance such as blacklist, anti-fraud information verification and data variable service, which is a powerful supplement to traditional consumer finance.
The "Cloud Map Dynamic Wind Control System" independently developed by Ai Qianjin effectively links internal and external diversified data sources through machine learning and natural language processing technology, forming a complete knowledge system of wind control. The system combines knowledge map with machine deep learning technology to build a computer network that can imitate human brain behavior, so that the machine can automatically find the risk points and risk diffusion paths hidden in complex relationships, thus mining potential fraud. After multi-dimensional cross-validation of big data, objective and accurate conclusions are drawn and corresponding actions are made, which effectively improves the efficiency and accuracy of the micro-loan review process.
3.P2P financial management will gradually become the mainstream
Ai Qianjin studied pan-wealth management users through marketing big data partners and found that at present, domestic wealth management people only invest an average of 27% of their income. Compared with the "432 1 asset allocation rule" (that is, 40% investment, 30% living expenses, 20% savings, 10% insurance), this ratio is obviously low. This also means that the potential financial management ability can continue to be stimulated in the future, and the P2P financial management share has considerable room for improvement. The first financial group that P2P may transform is a large number of users of Internet treasure products.
From the perspective of age division, the post-90s generation, who grew up in the Internet age, has the most positive attitude towards P2P financial management. Post-80s and post-80s wealth management users have blossomed more in traditional wealth management and P2P wealth management, and their financial strength is stronger than that of post-90s, which is the "golden master" that P2P wealth management needs to strive for. In contrast, people over the age of 35 prefer banks and stocks and are conservative about P2P financial management.
From the perspective of investment amount, the higher the investment amount, the more diversified the financial management methods, and the higher the acceptance and utilization rate of P2P financial management. However, with the increase of total investment in financial management, the growth rate of financial users' investment in P2P financial management lags behind that of banks and stocks. This shows that traditional financial management is still the first choice for large investment at this stage, and the position of P2P financial management in asset allocation needs to be improved.
As far as the industry prospect is concerned, domestic P2P development is better than that of the United States in terms of scale, industry potential and diversity. There are a large number of people in China who need P2P services, and the market potential is huge, which has the basis of sustained growth. Therefore, the development prospect of the domestic standardized P2P market is positive.
4. Investing in P2P is also a technical activity.
With the explosion of network information, it is difficult for consumers to identify bad or irregular platforms through media information. Moreover, most investors understand that they should stay away from platforms suspected of fund pools, self-financing and false targets, but there is still no way to start in actual judgment. Here's how to skillfully screen P2P.
(1) The yield is reasonable.
From the practical level, investors are advised to pay more attention to the situation, product settings and business logic marked on the P2P platform; Improve information disclosure; There is no short standard such as daily standard and weekly standard, which is convenient for product recharge and cash withdrawal, and the arrival time is short; The yield range is reasonable, ranging from 6- 12%.
(2) Be small, simple and scattered.
The positioning of P2P is "small, simple and decentralized". This business model can not only help the platform keep under market fluctuation, but also increase the fraud cost of bad platforms. The amount of a single creditor's right should be small, preferably below 654.38+ 10,000. Imagine that the cost of forging a tens of millions of large claims by a bad platform must be lower than fabricating tens of thousands of small claims. Borrowers are scattered in loan purpose, geographical distribution and occupation distribution. If investors find that most of the financing projects on the platform come from the same industry (such as real estate or manufacturing) or a single region, then they should invest cautiously, because the uncertainty of industries and regions is likely to lead to a large number of loans overdue; The fewer types of creditor's rights, the better. The so-called docking private equity funds, docking traditional financial products, and docking public debt. It is easy to be packaged into a "gimmick" for illegal fund-raising by bad platforms.
(3) Standardized contracts
The contract can also reflect whether the P2P platform is formal. Standardized contracts are generally tripartite contracts, which clearly state the information, rights and obligations of creditors, debtors and P2P platforms. Moreover, an effective contract must have an authoritative electronic signature and a credible time stamp, which can prevent the platform from tampering with the contract content privately.
(4) Field trip
Conditional investors should visit the platform on the spot and observe the size of the company. Because a formal P2P company must have a team of hundreds or thousands of people to maintain the safety and stability of risk control, credit review, asset development, technology and operation.
(5) Choose a big platform
In the past communication with investors, I found that diversified investment was repeatedly emphasized by many investors, but I think that under the current market environment, excessive diversified investment may cause greater losses. Because the industry generally believes that more than 90% of platforms will disappear or transform. This means that in extreme cases, every time an investor invests in 10 platforms, there will be 9 problems, which is tantamount to investing in a "liar" platform. So I think ordinary investors should look for 3-4 national, well-known and prestigious platforms instead of pinning their hopes on probability and continue to invest.
5. One-stop product recommendation makes it more convenient for investors.
Investment pays attention to allocation, and according to its own needs for income, risk and capital liquidity, different products provided by different institutions are organically allocated together to maximize income. However, the product design provided by a single Internet financial platform is often limited. In order to achieve better product configuration, investors often have to query many internet financial platforms, and cross-platform product management is also very troublesome. Third-party platforms provide one-stop product recommendation and information display, helping investors to compare and choose horizontally (different products on one Internet financial platform) and vertically (the same type of products on different Internet financial platforms). After the investment, the management of a whole set of product configuration can also be realized on one platform. This is also the reason why Aijianjin chose to settle in the financial management platform.