Watch Out For Huge Hidden Risks In A PP Market

Here world clothing shoes The Xiaobian of the hat net is a financial A PP: the huge hidden risk of the market.

With the emergence of Internet finance, the popularity of smart phones and the complexity of personal financial situation, various financial A PP is increasingly favored by people, triggering a craze for universal financial management. But the industry also reminded that although the financial A PP can bring many convenience to users, users still need to guard against the risks they bring.

Chen Tao, who has just graduated from University, began to use a bookkeeping A PP in 2010, and she took every expense on it. Chen Tao highly praised the software because it could clearly record and analyze her monthly expenses.

Chen Tao said the software is convenient and quick to allow her to consume rationally. "This software is like a book. Every month the money moves very clearly. For me, it is a good constraint to avoid blind consumption, at least I am no longer a moonlight clan.

In addition to bookkeeping A PP, more and more banks have launched their own A PP terminals. Users can easily purchase, purchase funds, precious metals trading, foreign exchange trading and other services through the bank A PP. "Bank A PP has powerful functions. In addition to cash withdrawals, the business handled by banks can basically be realized through A P P." A staff member of China Construction Bank said.

The reporter entered two words of "money management" in the "software housekeeper" of the mobile phone. As many as 630 financial A PP came out, which included a variety of bookkeeping, information, banking and so on. Among them, one bookkeeping A PP downloaded to about 19000000 times.

Lin Bocheng, a banking analyst at Huatai Securities, said that China's domestic personal financial services business has just started to develop, and personal financial services provided by banks and other financial institutions have not fully met the requirements of customers. Now the emergence of financial A PP is the most primitive supplement to personal financing needs, which is justified by people's admiration.

According to the data released by the people's Bank of China, as of the end of 2012, the number of bankcards issued by the whole country reached 3 billion 534 million. Among them, the number of issuing cards for debit cards is 3 billion 203 million, and the credit card issuing amount is 331 million. On average, each Chinese has nearly 3 bank cards.

"How to manage more and more bank cards will be a problem for many people. Financial A P P has huge market and space." Lin Bocheng said.

Lin Bocheng also said that at present, A PP terminals of banks are mostly from their own perspective, they can only manage the bank card business of the bank, and are excluded from other banks' bank cards. "The defects of bank A PP provide room for the development of the third party A PP, but the third party financial A PP often hides all kinds of risks."

According to reporters, at present, the third party financing A PP is free, and there is no definite profit pattern. "If the profit model is not clear, A PP operators will not be able to maintain for a long time, or even cause some operators to rush to take risks and sell their personal financial information at a high price." Lin Bocheng analyzed, "in the future, A PP will gradually shift from exclusiveness to compatibility, because there are no technical barriers."

Although financial management A PP It brings more and more convenience to customers, but experts also remind users to pay special attention to the hidden risks of A PP.

Wu Yun net founder Fang Xiao ton told reporters that at present, users of A PP software downloaded through the formal channels are relatively safe, and A PP software has risk isolation and is not easy to infect the virus.

Fang Xiao Tang analysis, financial A PP biggest risk in the operator's own cloud, "if the software developer's technical strength is relatively weak, then the related products are very easy to be hacked, resulting in user information is modified or leaked."

Lin Bocheng said, "at present, the development of financial A PP Company Yunlong hybrid, coupled with weak supervision, it is easy to cause financial A PP product risks." Financial A PP operators can grasp the consumption patterns of consumers through big data analysis, and then sell relevant information, resulting in consumers' information leakage.

In this regard, Fang Xiao ton reminded users to choose Conduct financial transactions Like A P P, we should try to select products developed by companies with strong technical strength and download them through regular channels, so as to prevent important information leakage and cause unnecessary losses.