2. Portfolio investment products require the seller to be qualified for fund management. This is a separate license, not a business license.

3. If you don't have this special qualification, it is illegal business operation, which will be characterized as illegal fund-raising, which is illegal. For example, Yu 'ebao has fund qualification, so it is legal. However, whether Dingcunbao is beneficial to the network, we have not seen the publicity of its fund special qualification certificate from its website, so we can't say whether this platform is illegal. However, according to the new ten regulatory principles issued by the state on September 30, if the platform has this qualification, it should be publicized because the state requires complete transparency. At the same time, the provision that consumers or investors have the right to know covers this business.

4. Ding Cunbao, if you are qualified for a special fund. From the analysis of combined products, there are advantages and disadvantages. The advantage is that the product itself has been diversified, so the investment risk is reduced compared with a single project; The disadvantage is that because it is a combination product, you never know which projects you have invested in, so you will not be able to get any information about this project, nor will you be able to think and analyze in any form. In this case, it can be said that your investment is completely realized through the trust platform or completely dependent on the platform, and you have given up your decision-making power.

Please adopt it.