Hi, dear young associate people, everybody is good, I am Wang Fan, the coach of conduct financial transactions beside you.
The financial tool of the mainstream on market was combed in front, the tool that I believe to everybody goes up to the market had understand and master more in the round.
In investing a tool, with yield 5% will serve as a watershed, 5% the following dovish investment breed, basically be conduct financial transactions of monetary fund, bank, conduct financial transactions insurance.
If think earnings increases 5% above, this tool can help P2P we come true. Accrual anticipates interval 6-10% .
Today, we tell the ABC about P2P mainly, good let everybody have a comprehensive understanding and knowledge to the new product of this finance conduct financial transactions.
P2P tells the truth let a person love to be hated again again, of hate is, explode Lei Chao, injured a lot of people, of love is, platform has been chosen, gains is really good. But very tall to our requirement, must choose to rely on the chart, P2P platform that develops stability.
To P2P, will look to superintend course.
The file that silver-colored inspect basically can superintend:
August 24, 2016, silver-colored inspect can release " the network is leasehold activity of business of message medium orgnaization is provisional administrative measure " and " information of orgnaization of leasehold message medium shows the network how-to " .
57 article that released December 13, 2017: " network of good about doing P2P is leasehold special punish rectifies and reform the risk the announcement that checks and accept the job " .
The net borrowed 108 August 17, 2018, " orgnaization of leasehold message medium joins the network detailed list of compasses examination problem " , end to at present many 400 platform submitted self check report.
When we are choosing P2P platform, with silver inspect can superintend a file to set out, follow policy to be superintended, general orientation is to be able to rely on chart a lot of.
Mix today what is will analyse P2P essence in detail tomorrow, why income will be higher than traditional channel, p2P net borrows platform how to be chosen, and a few features of dangerous P2P platform, it is namely again in the process of lend, a few what need an attention.
What is the essence that P2P net borrows economy kind? It is debt substantially, folk is leasehold.
The P2P that we say normally is the abbreviation that P2P net borrows platform.
P2P is the abbreviate of Peer To Peer, it is the meaning with bit righter place, the person that need lends money borrows platform through the net, platform is borrowed to initiate loan demand in the net, there is the person of money in the hand, borrow platform to lend the borrower that need spends money money through the net, they come true through Internet platform directly direct leasehold.
Money has time cost, we are stranger between him, without the love of for no reason at all, do not have free more borrow, p2P net is borrowed, go up through the net namely the money you is paid the ground lends, expire the person that lends money returns money, you take the capital that returns to him and interest, and platform is matched trade, collection intermediary serves cost.
Mix on rock-bottom logic so the bank is leasehold it is same, formed fixed deadline next, secure the fixed interest that can calculate.
And P2P platform as intermediary square, can undertake examine and verify to the loan aptitude of borrower, credit, the loan condition that inspects borrower and the credit reimbursement in the past are recorded, at the same time platform also can have relevant loan to guarantee a resort, the principal interest after in order to ensures break a contact recovers a problem.
Why P2P income will be higher than traditional channel.
This and leasehold object are concerned. Folk has a large number of small small companies, the loan demand of individual financing, and bank of this share requirement, fiducial wait for traditional channel inextricability, the main way that so this part borrower settles capital requirement is folk leasehold.
The occurrence of Internet, resolved the loan demand of very much individual and small small company, later the development as financial science and technology, big data, artificial intelligence, make flow of leasehold examine and verify more standardization, loan demand also got reasonable and contented, lender also can be at ease lend money.
Below such premise, p2P platform regards information as intermediary, match borrower and lender, manage of a be assigned personal responsibility for expends platform collection, the profit that leave is lender.
This namely why the reason with the can higher than traditional channel income of lender, because we are,gave the small small company that is willing to pay higher interest to lend money and individual money loan.
How to choose P2P platform.
Basically explain 3 old methods today, recombine is auxiliary at 5 o'clock tomorrow, undertake the filtration of platform.
The highest rudder that chooses a method is the relevant regulation that silver-colored inspect meets, also be most severe exacting so choose a method. After all, we use P2P tool, safe wall has been jumped over higher, such gift are the greatest the safeguard fund that spend is safe.
Silver-colored inspect will be right the fixed position of P2P platform: Financial message medium.
Emphasizing a net borrowing platform again is financial message medium, the net borrows an orgnaization to be channel with Internet, offer information collect, information to announce for lender and borrower, financial condition is evaluated, information is alternant, leasehold match wait for a service.
At the same time, it is certain to ask authority vigilant line issues orgnaization of conduct financial transactions of so called P2P, it is quite opaque, the risk is extremely high, the bagman that leaves P2P company when the line so finds you, must refuse, refuse, refuse again.
Next we see 3 thumb sign
Index one: The bank puts a valve
About the requirement that capital deposits: Must use a bank to put a valve. Client capital must be by the bank tripartite puts a valve, the word analogy that does not understand here one, fry young associate knows silver-colored card turns Zhang, a when your money must appoint bank that put a valve turns to negotiable securities door, here is same idea, stop the fund of client of platform lay a finger on from fountainhead. Actually this one can choose major P2P platform.
The bank stores tubal information is to be able to carry inquiry of platform government website, and still can carry the inquiry on website of association of Chinese Internet banking.
Index 2: Put on record information
The premise that be in arrives " network credit runs temporary measure " door of technical secondary school emphasizes putting on record management. The net borrows platform, need finance of place of ground of again industrial and commercial registration book to superintend a branch to put on record register.
The network also is mentioned among superintendency department of finance of the place of orgnaization of leasehold message medium that finish puts on record after registering, the relevant provision that ought to be in charge of a branch according to communication applies for corresponding telegraphic business to manage a license; Did not apply for telegraphic business to manage a license by the regulation, must not develop a network business of leasehold message medium.
Telecommunication and information serve business business certificate. Since be platform of Internet finance intermediary, so network news safety is very important.
This can be believed in labour and the website of informatization ministry has detailed inquiry. The webpage floor of P2P platform is OK also and concrete examine.
Index 3: Small and dispersive
About the requirement that loan specified amount spends: Individual loan upper limit 200 thousand, legal person 1 million. " method " make clear the seventeenth times, the upper limit of loan remaining sum that same natural person borrows platform in same network does not exceed a RMB 200 thousand yuan, do not exceed a RMB in amount of different platform loan 1 million. Same legal person does not exceed a RMB in the upper limit of loan remaining sum of same platform 1 million yuan, do not exceed a RMB in the upper limit of loan remaining sum of different platform 5 million yuan.
This regulation, made clear a network leasehold amount ought to with small give priority to, concentrate a risk with what prevent Fan Xin to borrow.
Rely on chart to add up to the platform of compasses to have a feature at present, it is a project particularly much, scattered, a dozen opening, a lot of even loan thousands of, of hundreds of have, this superintends the regulation of method namely, clear net is borrowed give priority to with small and dispersive loan demand.
Here, say to cast the net to everybody the product that shifts platform main trend serves: "Medicinal powder mark " and " gather mark " .
We plan to be in fund of loan of a platform, borrow platform to look to the net, those who have a lot of bid, of these correspondence is loan project, namely corresponding creditor's rights.
Of mark basically is two kinds:
Medicinal powder mark: It is borrower the project of direct loan, because small and dispersive, so every forehead is spent too won't big, the project is fragmentary, you can choose loan fund to give him directly.
Gather mark: This has a specification in temporary measure, those who allow accredit to fall is automatic bid. The net borrows platform, can make lender enlightened and automatic bid accredit gives platform, platform general the loan project of many borrower, bale together for lender loan fund. The advantage of gather mark is platform helps you handle management, we need not cost time of a lot of energy to manage scattered the money that returns a money, spare time, defect is, exit as shifting to an earlier date, want to buckle poundage.
Above is according to silver inspect can superintend method, most the 3 thumb mark of core chooses a basis. Mark of this 3 thumb is in hand, what the wall of P2P platform safety that the choice comes out builds is taller, the choice rises more relaxed.
Good, did you know what P2P is now? Also won't hear P2P again with respect to turn pale at the only mention of sth terrible!
The times is developing, science and technology is in progress, have demand, have the market, the market has a risk, the risk has profit!
P2P market is the child of times and science and technology, although experienced random elephant fascicular, although experienced turn pale at the only mention of sth terrible, but want us to agree to study only, find the platform that relies on chart truly, our yield can break up again immediately!
This is intellectual force!
Say your understanding to P2P and knowledge, how do talking about you use P2P to have economy.
Also welcome everybody to share today's content at the same time beside friends, the core that masters P2p is substaintial, avoid to step on thunder.
Good, today's content arrives here.
Manage of conduct financial transactions lives, conduct financial transactions manages first heart, growing is more important than succeeding.
