2. The interest rate of current deposit is lower, but there will be some interest every day, just less.
3. Yu 'ebao, Alipay's Yu 'ebao is a monetary fund with guaranteed capital and interest.
4. Small change pass, when the funds are put into the small change pass and not used, the income can be automatically obtained.
5. Capital-guaranteed wealth management products issued by banks, such as 6906 and 8 136 of China Merchants Bank, are available in all major banks.
The so-called capital preservation and interest protection is actually the platform's commitment to ensure the safety of investors' principal and income. However, this is just a promise. If the platform itself can't operate, investors will bear the losses themselves.
In fact, China's financial laws and regulations clearly stipulate that wealth management products are not allowed to promise to protect capital and interest, but many platforms will claim their products to protect capital and interest in order to attract investors. Anyone who has done investment and financial management should have such a cognition: any investment has risks, even the recognized bank with the highest safety factor is only risky.
Take the online loan agricultural bank of China as an example. The existing business model of online lending Agricultural Bank of China is guarantee and mortgage. This model means that every loan is guaranteed by introducing a third-party guarantee company, or the borrower is required to provide certain assets for mortgage, so it is no longer a credit loan. If the guarantee company meets the requirements of compliance operation, and the mortgaged assets are properly selected and easy to flow, the risk of investors in this mode is low. Especially the mortgage model, because of its strong risk protection ability, the comprehensive loan ratio has room for decline. However, due to the introduction of guarantee and mortgage, the loan business process is long and the speed may be affected.
From the perspective of risk control, mortgage products, especially real estate mortgage P2P products, have always been the most trusted financial choice for investors. Especially under the premise that the interest rate of personal housing provident fund loan is still firmly maintained, this means that P2P products with real estate mortgage will usher in a better "opportunity" for development. After all, the booming property market will further make real estate a popular collateral in the investment and financing market. Therefore, the investment enthusiasm of P2P real estate mortgage projects with high-quality real estate as collateral will be greatly improved.