Self-service financial management means that the platform provides users with a variety of financial products, and helps users make financial decisions through product classification, conditional screening, ranking, boutique recommendation and other functions. Users can book, purchase and manage products through a unified account, similar to the e-commerce platform for financial products.
Typical case: lufax.
Platform overview
Lufax officially put into operation on March 20 12, and is a subsidiary of Ping An Group. Lufax started P2P business, and later introduced other assets, gradually forming an integrated financial platform. In June this year, the platform announced the completion of round B financing121600 million USD.
The wealth management products provided by lufax include Public Offering of Fund, wealth management insurance, entrusted management products of old-age security, trust plans, wealth management products of local equity trading centers and P2P wealth management products. On the basis of self-help financial management, lufax has also launched an intelligent tool that users can use on the home page? Create an exclusive financial plan? Enter the planned investment amount and fill in the risk assessment questionnaire, and the system will automatically assess the risk tolerance level and match the wealth management product portfolio in lufax platform. The plan will be specific to the investment amount of each product and the expected weighted annualized rate of return of the portfolio.
Overview of main functions
Lufax and Ping An Group enjoy huge financial resources and strong product design capabilities. Both are P2P platforms that introduced comprehensive assets earlier. Up to now, the platform has accumulated tens of millions of users, and the continuous diversification of product portfolio is conducive to meeting users' risk preferences in different periods.
After completing the B round of financing, lufax has made clear the positioning of the all-round financial platform. On the whole, the investment threshold in lufax is relatively high. Many P2P products have a threshold of more than 10,000 yuan, and the proportion of medium and high net worth users is relatively high. In the future, lufax's product line will gradually expand to overseas assets and non-public offerings (trusts, private equity funds, asset management plans, etc.). ) The threshold is higher.
Consulting financial management
At present, consulting platforms usually build two types of platforms for investors and financial advisers: the former usually provides users with product search, comparison and reservation services in the form of financial supermarkets; The latter provides financial planners with product display and customer management services in the form of display tools. In addition, some platforms also provide exhibition consultation and training services for financial planners.
Generally speaking, the current consulting service is more inclined to assist product purchase than one-on-one professional decision-making consultation. Of course, there are also platforms that try to develop independent financial planner services, but from? Pay commission? Where to? Pay the service fee? It is not easy to change users' habits, and it also involves the problem of how to screen or cultivate high-quality independent financial planners.
Typical case: the rich.
Platform overview
Caifupai is an Internet financial platform under the third-party wealth management organization noah wealth. Launched on June 20 13 14, formerly known as? Where's Yuan? , 20 15 10 was renamed as? Rich people? . In the early stage of the platform, it mainly cooperated with enterprises to provide internet financial services for employees, and invited high-net-worth users to conduct online fragmented microfinance with the help of noah wealth financial consultants.
Rich schools serve high-potential people, that is, production users who can invest RMB 6,543.8+million to RMB 6,543.8+million. At present, the rich mainly provide conventional supply chain financial products, fund public offering, real estate crowdfunding, and equity investment fund income rights products (venture funds and M&A funds).
Overview of main functions
As a whole, Fortune School is positioned as a boutique financial supermarket for the wealthy class, with clear user positioning. In terms of customer service, rich people think that the domestic wealth management market can not fully support the intelligent wealth management of middle and high net worth customers in the short term, so they pay attention to maintaining customer relationship and channel advantages with the help of existing financial planners, and help users gradually cultivate their personal wealth management ability through online investor education, forming a one-stop boutique wealth management platform with personal decision-making services as the main focus.
The above is the relevant sharing of Internet financial management cases, and I want to give it to friends who want to manage money. I hope it helps you!