Playing Bills, Financial Investment, "Steady And Profitable"

At present, there are many bills and financial products in the market, mainly including recruiting treasure, Jingdong financial small silver ticket, Sina micro wealth and many other emerging Internet Co products, gold and silver cats, storage and sale online, silver ticket network and other professional bills management platform, and also include the traditional banking products such as small business E issued by China Merchants Bank, and livelihood loan issued by Minsheng Bank.

Generally speaking, the financing of bills is divided into two categories: bank acceptance money management and commercial bill financing.

"Popularly speaking, when an enterprise needs financing, it can take the bank acceptance bill (or commercial acceptance bill) as a hypothecation guarantee, release products on the Internet platform, and raise funds for investors."

Yin Yanmin, a financial analyst, said.

In the view of Ma Jun, deputy general manager of Ying can consulting, the most common traditional mode of money management is the bank credit management mode of cooperation between banks and trust companies. Recently, there has been no innovation in the basic mode of all kinds of bills financing platforms.

The bank statistics show that the banking system is more robust on the online bills management platform.

More stringent, most of the financial products expected annual yield of around 6%.

The main reason is that the ability of banks to control enterprises and the authenticity of negotiable instruments is higher than that of ordinary enterprises.

Also low, the threshold is relatively high, such as China Merchants Bank small business E home threshold is 50 thousand yuan.

In fact, not only is the threshold low, the biggest feature of bills financing is flexible term and good liquidity.

The term of loan is generally consistent with the time of maturity of the bill, ranging from several days to six months, which can meet the needs of different investment groups.

At the same time, because the discount rate of bank acceptance bill is about 6%, the interest rate of this model is basically maintained at 6% to 7%, which is significantly lower than that of other business types of P2P platform, but it is still higher than that of other financial products of banks.

However, even

Stable and profitable, investors still need to guard against all kinds of risks.

In order to ensure the safety of their hard accumulated wealth, consumers have to tighten the string of "wind control".

Although there is a rigid acceptance guarantee for negotiable financial products, it is not necessarily without risk. Ma Jun believes that the platform of the main bills business now claims "zero risk". In fact, there are common risk points in the bill business. In summary, there are 4 risks, namely, "fake", "late", "frozen" and "wrong".

Fake is the risk of counterfeit tickets.

The so-called delay, that is, the risk of delayed payment, restricted by the situation of funds and the specifications of the draft, may require delayed payment. Therefore, investors should pay attention to the qualification of banks.

The so-called mistake is the risk of endorsement error.

Because negotiable instruments can be negotiated and pferred, if there are too many pfers, any errors or errors occurring in the course of circulation, such as discontinuation of endorsement, discrepancy between names and seals, and no lap joints, will bring greater risks to the payment of negotiable instruments.

The so-called freezing is the risk that the bill is stopped and frozen.

When carrying out the business of pledged bills, platforms should also prevent risks such as bills being stopped and pay attention to whether the bills have been reported missing or not.

In addition, there are regulatory risks.

Although negotiable instruments can be mortgaged or pferred, the law of negotiable instruments stipulates that the pfer of negotiable instruments is only applicable to cases with real trade background. If the red line is broken, banks will refuse to pay.

"Based on the above investment risks, we should choose a platform with high security and good reputation to avoid cheating."

Yin Yanmin said.