The meaning of Internet financial management platform is very broad, including bank online financial management (mainly mobile banking APP), comprehensive wealth management platform, fund sales platform, Internet precious metal financial management and P2P financial management (lending).
Internet financial management platforms can be divided into five categories: comprehensive financial (comprehensive wealth management) platforms, banking online financial platforms, securities, insurance, trust and other traditional financial institution online platforms, Internet precious metal financial management, and P2P platforms.
1. Comprehensive financial (comprehensive wealth management) platforms refer to comprehensive financial platforms such as Alipay and WeChat Pay launched by Internet giants such as BAT. They have a complete range of wealth management products and can be purchased in combination based on the risk control of Internet giants.
For example, Baidu Baifa, Baidu Baizhuan, Ant Jubao to attract wealth, and Licaitong for regular financial management.
2. Banking online financial platforms refer to traditional banks launching their own bank-based Internet financial products through further cooperation with Internet and other companies based on their original financial products.
For example, Shanghai Pudong Development Bank Tiantianying, WeBank, Minsheng Ruyibao, and Ping An Ying.
3. Fund direct sales (consignment sales) platforms refer to financial products that are essentially monetary funds and disguised as Internet finance, and products directly sold and promoted by fund companies. There is no difference in the original rate of return.
For example, Yu'e Bao, Wealth Management, and JD Financial Management.
4. Internet precious metal financial management mainly refers to Internet gold financial management, including electronic gold, futures gold, gold ETF funds, and bank gold financial management. It is equivalent to buying gold through Internet channels, and some can be exchanged for physical goods.
For example, Tencent Gold, Alipay (Boshi Gold, Huaan Gold) Gold Fund, Gold Wallet, and Lufax.
5. P2P platform P2P financial management uses the Internet platform to develop the traditional lending industry onto the Internet.
For example, Lu Financial Services, Yirendai, Jiufu Puhui, Aiqianjin, Paipaidai, and 51 Renpin.
What financial products do Internet financial platforms sell?
@Internet Finance News Center: Funds, foreign exchange, Internet precious metals, bank online financial products, securities, insurance and P2P platforms have their own targets, most of which are licensed businesses.
In other words, financial business must be a licensed business and cannot be operated without a license.
The exception is P2P, which has not yet been registered (licensed) for operation.
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What are the advantages and disadvantages of Internet financial platform financial management?
@Internet Financial News Center: The advantages of Internet financial platform financial management: 1. High returns.
The annualized income range of Internet financial platform financial products is about 5%-10%, and their interest rates are generally higher than bank financial products.
The higher the return, the higher the risk.
2. The threshold is low.
Many online loan platforms allow you to invest as little as 100 yuan, and you can even invest in small change financial products such as Yu’e Bao for 1 cent.
3. The cycle is short.
Small change financial products such as Yu'E Bao can be deposited and withdrawn at any time. Internet lending products are basically divided into January-month contracts, March-month contracts, etc., with flexible cycles.
4. Simple operation.
Online financial management, without leaving home, a series of operations such as subscription, subscription, redemption, and conversion only take a few minutes.
5. The tools are widely available, and Internet financial management can be operated with just a mobile phone.
Disadvantages of financial management on Internet financial platforms: (1) Some platforms have many regulatory security issues: 1. Insufficient information disclosure and opaque underlying assets; 2. Bank depository is not implemented, or the depository bank fails to pass the evaluation; 3. Small-amount decentralization is not implemented.
The financial risk is relatively high 4. It has not yet been registered and is operating without a license. 5. It has its own funds and its own strength needs to be strengthened, and it is difficult to survive the "double reduction" risk rectification period. 6. There are illegal deposits, illegal fund-raising, running away, etc.
The safety of investors' funds is threatened (2) Regulatory security and other issues have caused lack of investor confidence and user loss (3) Some Internet financial platforms have insufficient strength, insufficient risk control, insufficient funds, and poor asset quality, etc. (4) Market space
Squeezed.
Bank wealth management products such as bank wealth management subsidiaries have had an impact; Internet giants such as BAT use traffic portals to snatch users (5) Online payment risks and personal information leakage risks plague all Internet industries.
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What should you pay attention to when managing money through Internet financial platforms?
@Internet Finance News Center: First of all, users must understand the differences between different financial management methods.