P2P runs continuously road, is Qian Cunyin at ease all right? Did not distinguish these 2 kinds of c

Present P2P market really not quite let a person be at ease:

A lot of people consider economy, but deposit interest is too small, had not run even inflation; P2P income is high, worry again however have go notting have time. Recently, earnings of product of manage money matters of bank much money is broken 5% , but a lot of people do not know, conduct financial transactions of not all bank relies on chart! Must polish before the choice oneself eye.

Component of product of bank conduct financial transactions is two kinds:

One kind is the conduct financial transactions with self-supporting bank; One kind is the conduct financial transactions that the representative sells.

Product of self-supporting conduct financial transactions separates the bank roughly it is two kinds: Protect this model and blame protect this model accrual.

→ is protected this model can ensure the safety of capital, because this risk also is very low, although fail to achieve,expect earnings, the capital of investor also can expire sum repays.

→ is not protected this model just as its name implies, unwarrantable capital, also do not assure profit, if appear deficit, you must assume responsibility by oneself, because the bank can impart your corresponding risk before the sale, and meet responsibility is made clear on the contract when you are bought.

Although dispatch wants to break rigid cash before silver-colored inspect, do not allow a bank to issue Baobenli money product (delimit key) , but have transfer period, at present still many banks are in distribute this kind of product.

The product of conduct financial transactions that the bank sells goods on a commission basis points to mostly fund, safe, fiducial wait for a product, the bank is a sale channel only, sell goods on a commission basis from these orgnaization collection commission. Capital should be managed by fund company, insurance company, trust company, the risk cannot accuse here, the circumstance of city of stock market of capital flow direction, building is very normal, the bank of prep above of wind strategic place of product of conduct financial transactions is self-supporting conduct financial transactions.

How to differentiate?

When buy, who is the metropolis in product manual writes the issuer that understands this product, because of this occurrence capital loss, you can talk things over with the issuer of this product only, the bank won't have is in charge of.

To product of conduct financial transactions, it is again good that a word generalizes did not pass: "Income is higher, the risk is bigger " .

Component of product of bank conduct financial transactions is 5 risks grade, it is low risk respectively (R1 class) , in low risk (R2 class) , moderate risk (R3 class) , in high risk (R4 class) , high risk (R5 class) , the risk preference of corresponding investor is discretion respectively model, dovish model, balance, enterprising, radical model.

Generally speaking, risk grade tastes risk of primary nonexistent capital for 1 class and the grain property of 2 class, but risk grade is in of 3 class above say to forbid.

When suggesting everybody is selecting product of conduct financial transactions so, the venture that wants him foundation bears the psychological quality choice of ability is the rightest him product.