Internet financial management, as its name implies, refers to a financial management method in which investors obtain financial products and services through Internet channels, so as to obtain corresponding income.

Internet financing types:

There are three main types of Internet financing, namely fixed income Internet financing, money fund Internet financing and online loan Internet financing.

1. Fixed-income Internet financial management

This kind of Internet financial management is the most popular financial management type for investors, and has many advantages:

First, the income is high, with the income of 15%, for example, the typical fixed-income financial management product Juhili has the income as high as 16%; Second, the security is high, and the transaction funds of fixed-income Internet financial management are managed by banks and guaranteed by guarantee institutions, which is very safe; Third, the investment threshold is low, you can invest a few hundred yuan, and the investment period is also very flexible, ranging from one month to one year. ?

typical fixed-income financial platforms mainly include caimao. com, Yuncai. com and Caiju. com.

2. Money Fund Internet Finance

This kind of Internet finance is the type of Internet finance with the largest number of participants at present, mainly Yu 'ebao and Licaitong. Money fund Internet financial management is a product with uncertain income. The income fluctuates with the market interest rate, and the current yield is less than 4%. Although the income is low, it is very safe and almost risk-free. In addition, it has all the advantages of fixed income Internet financial management.

money fund internet financial management is suitable for financial novices and belongs to the enlightenment level of internet financial management.

3. Internet financing with online loans

Internet financing with online loans belongs to a new type of Internet financing. The so-called online financing means that investors lend money to borrowers in need through internet intermediary platforms, so as to obtain corresponding income. Online loan financing has high income, some of which can be as high as 2%, but with high income, there are also high risks, such as misappropriation of funds, running away and bad debts by intermediary platforms.

Internet financing with online loans is suitable for senior investors, which requires high returns, but also has high risk tolerance. Typical Internet financial platforms for online loans include lufax and Micro-Pounder.

micro-pound p2p financial products are very good, and the expected annualized income of online financial management is 6%-12%, which is still worth investing, and the professional risk control team has a good safety factor. It also has many advantages such as low investment threshold, flexible term and convenient cash withdrawal.