Investing In Internet Finance Is Promising.

In recent years, Internet finance has become the focus of many investors.

But in the face of springing up internet financial companies, how should investors choose? The following six misunderstandings can be seen clearly, you may not know.

In recent years, Internet finance has become the focus of many investors.

But in the face of springing up internet financial companies, how should investors choose?

Security is actually divided into two aspects: whether the platform is secure and whether the funds are safe, but these two aspects follow.

It doesn't matter much.

From an investor's point of view, to evaluate the security of a platform requires analysis from the overall business logic and operation of the platform, such as whether there is a pool of funds, whether or not it touches the regulatory red line, which are all factors to be considered.

Therefore, we suggest that investors should first see whether their innovative logic is reliable and whether they have strong background endorsement before choosing the platform; secondly, to see whether their current real operation is in a leading position in the industry, and then arrange the investment plan after overall weighing.

In terms of fund safety, the core of whether the security mode is safe is the borrower's willingness to repay and repayment ability.

In this field, some innovative business models, such as the innovative mode of acquaintance lending from wind control, have natural and prominent advantages in ensuring the safety of users' funds.

In the long run, with the deepening of interest rate marketization reform, the free pricing in the lending market is also a major trend.

Therefore, it is not comprehensive and objective to judge the safety of platform products simply by the interest rate.

The cash withdrawal rate is only one of the factors to consider whether a platform is safe or not.

Compared with the speed of cash withdrawal, the security of cash withdrawals is also very important.

If internet financial platform blindly pursues the cash withdrawal rate, this means that the P2P platform is not rigorous enough to fight against money, because when financial officers are fighting money, they must carefully check the data and avoid making the wrong money to others, causing unnecessary losses.

At present, the Internet financial platform supports the function of user withdrawals, and different platforms have different provisions on capital.

Especially in the time required for cash withdrawals, there is a big difference between platforms, and different banks have a slight difference in arrival time.

Generally speaking, celebrities are very concerned about their reputation, not just for the sake of money and interests.

Therefore, in general, the credit endorsement of celebrities is established.

But there are indeed some platforms that advertise for their own platforms without knowing what to do, or even exaggerating the facts.

Investors do not need to struggle to distinguish between true and false.

The law and the knowledge that heaven will never lose.

Buffett, the "stock god", returns an average of about 15% a year, and also needs to endure price fluctuations. So if someone says that it is possible to maintain capital gains to 15% interest, there is no risk. This is either a fraud or a real risk.

Investment is not afraid of risks. Risks are clear and controllable.

The biggest risk faced by investors is that they do not know where the risk is.

For investors who believe that money is too long to stay on the platform, they are still not satisfied with the new industry of P2P, or are there any unstandard platforms.

As long as we choose a platform with strength, brand and compliance, we need not worry.

Just imagine, who will worry that money is not safe in big banks?

Second, whether the 3 months and short term depends, it is really not necessarily, P2P is the intermediary, the needs of the borrower is to be introduced to investors, including the amount of borrowing, borrowing time and use and other information.

Some loans can only be used for six months or more than one year before they can fully realize the purpose of funds and achieve investment returns.

Therefore, the key is not the length of the financial products, but whether the financial products are reliable and reliable.

Though many

They all play the word "guaranteed capital and interest protection", but according to the guidance issued by the ten ministries and commissions such as the central bank, the net loan platform has been clearly identified as an information intermediary.

Some platforms include Guarantee Corporation and other institutions to provide protection. The qualification, financial strength and guarantee balance of guarantee institutions need to be concerned, which are related to their solvency.

For investors, it is important not to pay attention to the word "guaranteed cost and interest protection" and "Guarantee Corporation" on the platform, but to choose a safe and stable platform, especially from the background of the operation team and platform.

In addition, it is suggested that investors should not go too far to pursue high yield net loan products, especially when the economy is in the downward cycle.

Dialectically speaking, the large volume of platform does not mean that it is worth trusting, but conversely, the platform that is worth trust is not always small.

This shows that platform trading volume is a very important part in whether it is trustworthy, but it is not the only consideration standard.

Whether a platform is trustworthy should be the result of a comprehensive consideration, including the financial background of the platform, wind control capability, capital and information security, compliance issues, operational promotion, service thinking, innovation capability and cumulative turnover.

In particular, the products provided by Internet finance are financial services, so in essence, the most important consideration is the ability to control financial risks. After all, principal safety is the most important factor.