1, Integrated Finance (Integrated Wealth Management) Platform
It refers to the comprehensive financial platforms such as Alipay and WeChat payment launched by Internet giants such as BAT. The wealth management products are complete and can be purchased in combination based on the risk control of Internet giants. For example, Baidu Baifa, Baidu Baiyi, Ant Fortune Lucky Treasure, Licaitong and other regular financial management.
2. Online banking platform
This means that traditional banks have launched their own Internet wealth management products on the basis of the original wealth management products through further cooperation with companies such as the Internet. For example, Shanghai Pudong Development Bank wins every day, Weizhong Bank, Minsheng Ruyi Bao, and Ping An Ying.
3. Fund Direct Selling (Consignment) Platform
It refers to the wealth management products with money fund as the essence and put on the coat of internet finance, and there is no difference in their original rate of return from the products directly promoted by fund companies. Such as Yu 'ebao, Licaitong and JD.COM Wealth Management Fund.
4. Internet precious metal financing
It mainly refers to internet gold financing, including electronic gold, futures gold, gold ETF funds and bank gold financing, which is equivalent to buying gold through internet channels, and some of them can be converted into physical objects. For example, Tencent Gold, Alipay (Boss Gold, Huaan Gold) Gold Fund, Gold Wallet, lufax.
5.P2P platform
With the help of Internet platform, P2P financial management develops the traditional lending industry to the Internet. For example, Fu, Pleasant Loan, Jiufu Pratt & Whitney, Love Qian Bao, Paipai Loan, 5 1 Personality.
Matters needing attention in financial management:
1, don't blindly follow the trend
Nowadays, online investment and wealth management products abound, and more and more people buy wealth management products. Some people think others buy well and want to try it themselves. In fact, this is a blind investment, but blindly following the trend is not good for investors.
Because different types of wealth management products have different risks, if investors invest directly without careful consideration, they may cause losses to themselves. So when investing in financial management, don't blindly follow suit.
2. Don't be obsessed with false propaganda.
When online wealth management products are publicized, it is inevitable to publicize the benefits. All kinds of high returns are dazzling, but for investors, while paying attention to high returns, we should also be able to see the level of risks.
Don't take high returns as the only way to invest. You should know that the fixed income written in the contract can guarantee the income. Therefore, investors must read the precautions in the contract before signing the contract to avoid losses caused by reduced income.
3. Pay attention to the limit.
Some investors think that online wealth management products have high returns, so they use all their savings for investment. In this regard, Li Rongbao financial experts remind investors not to use all their savings at home for investment and financial management. At the same time, when choosing online wealth management products, we must look at whether the company is a formal wealth management company.