Basic knowledge of P2P investment and financial management;
Establishment and Development of P2P Online Lending Platform
In China, the earliest P2P online lending platform was established in 2006. Until 20 10, the online lending platform was valued by many entrepreneurs, and some water testers began to appear one after another. 20 1 1 Online lending platforms have entered a period of rapid development, and a number of online lending platforms have been actively launched. In 20 12, the online lending platforms in China entered an outbreak period, reaching more than 2,000, with more than 100 active. According to incomplete statistics, in only 20 12 years, the annual transaction volume of domestic online lending platforms for offline lending has exceeded10 billion. In 20 13, the total transaction volume of P2P industry was105.8 billion yuan, which showed explosive growth compared with 20 billion yuan in 20 12.
Lirong.com Data Research Center found in the latest report of the central bank that the total savings of residents in China is about 43 trillion yuan, and the per capita income is 30,000 yuan. The median deposit of 30,000 yuan per capita is estimated to be very difficult for 60% people in China, but for an ordinary family, several people still have 30,000 yuan in deposit. Part of this money is stored there for emergencies, such as the elderly getting sick and the children going to school, unable to move; Some of them are simple. They saved 30 thousand yuan a year and are still trying to save money. This money should be used for investment to generate income. Buffett's idea of snowballing compound interest is deeply rooted in people's hearts, but how to make snowballs roll bigger instead of smaller is not easy all over the world.
P2P(peer to peer) online lending first appeared in the UK in 2005 and entered China in 2007. That is to say, lending does not go through traditional financial institutions such as banks, but meets the needs of both borrowers and borrowers through the Internet, which has the characteristics of simple procedures, small amount and fast lending. Lenders (that is, investors) get income through the interest repaid by lenders. The intermediary platform engaged in this business is called P2P online lending platform.
Advantages of P2P online lending
Why choose P2P online loan as a financial management project?
At present, the wealth management products with relatively stable income and relatively low risk are nothing more than bank deposits, bank wealth management products, money funds and P2P online loan investment. However, stock investment, stock fund, bond fund, trust, precious metals, reverse repurchase and other projects are either unsuitable for investment, too risky, too volatile or highly professional. As an office worker, I can't imagine that I can see all kinds of financial information after 8 hours of technical analysis and fundamental analysis. Therefore, I think that P2P online loan investment with high returns and almost fool-like operation will be a good choice.
P2P online loan risk
What are the risks of P2P online lending?
High risk behavior
Self-financing, bidding for demolition, enterprise bidding, huge bidding and high interest rate will undoubtedly greatly increase risks, which is the so-called high-risk behavior.
ethical risk
Simply put, it is whether the P2P online lending platform operates in good faith, whether it deceives investors to package high-risk behaviors into low-risk behaviors, and ultimately leads to bankruptcy, thus endangering the safety of funds. A qualified P2P online lending platform must not be both a referee and an athlete.
Platform mode risk
This includes the risks of the pattern itself and the risks brought by the defects in the pattern design. The former means that some P2P online lending platforms do not guarantee investors' funds, or provide conditional partial guarantees, such as taking loans. This requires investors to screen and choose their own projects, but as a weak party in information asymmetry, it is actually difficult for investors to make their own judgments to reduce risks. The latter refers to the risk control capability and guarantee capability of the platform.
Policy and legal risks
At present, the law does not prohibit this kind of personal loan matching through the platform, which means that the pure P2P online lending platform can be legally operated. However, the central bank explicitly prohibits the platform from setting up a fund pool. The so-called fund pool means that there is no clear investment project, and the fixed income is the marketing slogan, and the funds are raised from the public first.
P2P online loan income
As a financial management project, what are the benefits of P2P online lending?
At present, the annualized rate of return of domestic P2P online lending platform is around 8% ~ 16%. If the interest rate is too low, it is better to allocate a money fund with better liquidity and lower risk. However, the high rate of return violates the design concept of microfinance and the objective laws of the market, which is inevitably unsustainable and even endangers the security of principal. According to the annualized rate of return of 12%, it is about 30 times of the bank's current interest rate, 4 times of the 1 year fixed deposit rate and 3 times of the money fund.
P2P online loan investment
I want to try P2P online loan investment, how to allocate funds?
You should first find out how much money you have at your disposal. How many of these discretionary funds are likely to be spent in the near future and how many are idle for a long time? I strongly recommend that the investment of P2P online lending platform should not exceed your long-term idle funds at most. For those who may need to spend, it is recommended to allocate more liquid wealth management projects, such as short-term wealth management products of money funds or banks. Many people didn't think clearly about this problem, and finally had to redeem the funds in P2P in advance, resulting in the loss of interest and handling fees. In addition, before you know enough about a platform, you should "test the water" and invest a small amount of money regularly every month. After you have fully experienced the model, rules and capabilities of the platform, consider gradually increasing investment.