whether the listed p2p wealth management company is supervised by the CBRC. Yongquan jinfu is unreliable, who voted?
The specific regulatory time and system have not been determined. The CBRC first put forward ten regulatory principles as follows: First, P2P regulation should follow the essence of P2P business, and the essence of the so-called business is one-to-one correspondence between projects. P2P institutions cannot hold investors' funds and cannot establish a fund pool. How to judge whether a P2P wealth management company is unreliable < P > The registered capital of the company scale can be queried in the national enterprise credit information network, and the income from the bank deposit and icp license filing in the public security network is about 1%. This is the most basic thing. There is also a situation of the company's development, and whether the authenticity of the most important creditor's rights is small and scattered, and the use of loans must be investigated and analyzed by P2P. Municipal companies can be divided into several types by unreliable P2P platforms, one is the state-owned assets department, the other is the listing department, the other is normal type, and the last is the money-circling department.
Whether it's good or bad depends on how you operate the P2P financial platform.
Look at the background of shareholders, first choose those platforms controlled by state-owned enterprises, large listed companies or enterprise groups.
Second, look at the income level. Generally, the income is between 8 and 12. If it is higher than this level, it is very likely to be unreliable. Is P2P financial management reliable
I suggest you manage your finances through bank channels. At present, there are many ways for individuals to invest in financial management: fixed-term, treasury bonds, entrusted financial management, funds, gold, trust, insurance, etc. The investment starting point of different products is different, and the corresponding risk levels are also different. I suggest you go to China Merchants Bank outlets to consult the financial manager for relevant advice.
how to judge whether a P2P wealth management company is reliable?
The security problem must be paid attention to in P2P financial management of micro-loans. The security can be judged mainly from the following aspects:
1. Maintain reasonable income
The higher the income, the greater the risk, and the range of platform interest rates must be rationalized. Every industry has a reference standard, such as investment and wealth management products for babies, and the reasonable annualized income is about 3%-5%; The reasonable annualized income of bank wealth management products is about 5%-8%; The reasonable annualized income of P2P platform-based wealth management products is about 6%-15%, and they all have relatively valuable reference standards.
Second, fully understand the P2P platform
Inquire about enterprise information in official website, the platform party, to see whether its registered company has relevant business qualifications in the financial industry, whether the intermediary nature of the platform is clear, whether the capital flow is clear, whether the information disclosure is sufficient, and what advantages the platform has.
Third, pay attention to industry information and learn more
Beginners should pay more attention to internet finance, learn financial management skills from authoritative websites and pay attention to the policy trends of online lending industry. With more contact, the experience and skills of investment and financial management naturally make perfect.
fourth, small investment to test the water
as the saying goes: investment is risky, so you should be cautious when entering the market. No matter how small the matter is, the money will become bigger. Just coming into contact with a platform, you can't guarantee whether the platform is safe or not. Maybe you don't have a comprehensive understanding of the platform, so you naturally need to know the running-in. Therefore, at the beginning of investment, you can invest several hundred yuan or several thousand yuan to test the water, and it is best not to exceed six months when choosing the bidding period. If the platform experience is good, you can consider increasing the investment amount and extending the investment period when you invest next time, and try to fix it on one or two platforms for compound interest investment, and there are also many feedback on the welfare of the platform for upgrading the user level.
5. The amount of investment target should not be too large
If P2P platform can make every loan small and scattered, risk control management will be more convenient, which can weaken the risk coefficient to a certain extent and increase the safety. If the amount of a single loan is too large, you need to choose carefully.
Online lending platforms such as Micro _ Lending _ Link can lend or invest, and the funds are safe and secure, and the income is quite good.
Reminder: Investment is risky, so you need to be cautious in financial management! How do laymen judge whether a p2p wealth management company is reliable? Strong risk control team, reliable platform technology and willingness to continuously improve the user experience
Strong fund allocation ability
Whether the official information displayed on the platform is clear and complete
1. Maintain reasonable income
The higher the income, the greater the risk, and the interest rate range of the platform must be rationalized. Every industry has a reference standard, such as investment and wealth management products for babies, and the reasonable annualized income is about 3%-5%; The reasonable annualized income of bank wealth management products is about 5%-8%; The reasonable annualized income of P2P platform-based wealth management products is about 6%-15%, and they all have relatively valuable reference standards.
Second, fully understand the P2P platform
Inquire about enterprise information in official website, the platform party, to see whether its registered company has relevant business qualifications in the financial industry, whether the intermediary nature of the platform is clear, whether the capital flow is clear, whether the information disclosure is sufficient, and what advantages the platform has.
Third, pay attention to industry information and learn more
Beginners should pay more attention to internet finance, online loan houses and other authoritative websites to learn financial management skills, and pay attention to the policy trends of online loan industry. With more contact, the experience and skills of investment and financial management naturally make perfect.
fourth, small investment to test the water
as the saying goes: investment is risky, so you should be cautious when entering the market. No matter how small the matter is, the money will become bigger. Just coming into contact with a platform, you can't guarantee whether the platform is safe or not. Maybe you don't have a comprehensive understanding of the platform, so you naturally need to know the running-in. Therefore, at the beginning of investment, you can invest several hundred yuan or several thousand yuan to test the water, and it is best not to exceed six months when choosing the bidding period. If the platform experience is good, you can consider increasing the investment amount and extending the investment period when you invest next time, and try to fix it on one or two platforms for compound interest investment, and there are also many feedback on the welfare of the platform for upgrading the user level.
5. The amount of investment target should not be too large
If P2P platform can make every loan small and scattered, risk control management will be more convenient, which can weaken the risk coefficient to a certain extent and increase the safety. If the amount of a single loan is too large, you need to choose carefully.
————— Shanghai Changjiu Loan will answer your question about the type of P2P financial management of Yongquan Jinfu. Is it reliable?
Yongquan jinfu belongs to the mortgage subject. It seems to be making real estate, but in fact this kind of bid is relatively safe. But the income is low. At present, P2P current financial management is still unreliable
Hello, it is impossible to predict whether the Internet financial platform is safe.
Now the supervision is strengthened, as long as the platform is opened, it will be formal.
And the risks mainly come from the later operation process, which is impossible to predict.