what are the types of network asset management products? The rise of the Internet has produced many Internet asset management products. The sudden emergence of Internet finance is the result of the long-term oppression of China's financial demand. On the one hand, many low-and middle-income people are short of asset management channels. On the other hand, most small and medium-sized enterprises in society have financing difficulties. Both P2P and surplus treasure are essentially products of interest rate marketization. What types of online asset management products are there?

The first category: asset management products integrating payment, income and capital turnover

Typical representatives: Alibaba (surplus treasure) and Suning (change treasure)

First of all, the biggest feature of this product is that investors can consume, pay and transfer without handling fees. So far, the surplus treasure model has been widely copied.

The advantages of real-time prompt can directly meet the investors' demand for product liquidity. The official said that according to the amount transferred to the bank card, the single amount is less than 5, yuan, and the single amount that arrives before 24 o'clock the next natural day is less than 5, yuan, and it will arrive before 24 o'clock the working day after submission. < P > Finally, the essence of the products like the residual treasure is the products of monetary funds (hereinafter referred to as goods-based products), and the income depends on the interest rate of funds between the money markets. With the change of the market, the annual income is generally between 4% and 6%, and the high income of about 7% years ago is difficult to sustain.

Category II: asset management products that cooperate with famous Internet companies

Typical representatives: Tencent (WeChat Asset Management) and Baidu (Baidu Asset Management Plan B).