How to choose P2P wealth management products correctly? What do I need to pay attention to?

In investment and financial management, security should come first, and it is particularly important to choose a safe and reliable platform. For P2P newcomers, it is best to comprehensively choose a platform based on factors such as platform qualifications, platform background, risk control, income scope, and fund custody. In addition, it is better to diversify your investments, and you can choose several good platforms to diversify your investments and reduce your risk.

It can be examined from the following elements:

1. Check the registration information and filing information of the P2P platform.

This is a must-do homework for P2P financial management. A P2P platform that has not been registered and filed is obviously abnormal and must belong to the category of illegal operation. The filing information of the P2P platform is generally reflected below.

2. Investigate the background of the P2P platform.

Investors try to choose those platforms with state-owned assets, listed companies, and VC backgrounds, and platforms with backgrounds that are strong and not easy to run away, which will be more secure.

3. Whether the P2P platform has a third-party hosting.

In the "Guiding Opinions on Internet Finance" issued on July 18, it is clearly pointed out that online lending platforms must have third-party fund custody, and further emphasizes that they are cooperating with banks for fund custody.

4. See whether the risk control of the P2P platform is rigorous.

Risk control is the core competitiveness of P2P platforms. Some platforms have their own risk control teams, and some platforms have cooperation with small loan companies, so it is necessary to understand the real situation of the platform target and the risk control operation process, so as to judge whether the platform is suspected of self-financing and what the level of risk control is.

5. Reasonable range of income.

The revenue of the P2P platform is not high, and if the annualized rate of the platform exceeds 20%, then you should put a few more question marks. Of course, the annualized rate should not be too low, if the annualized rate of the platform is less than 10%, what is the point of investment? At present, the industry rate of return is usually 8% to 15%, which ensures the stability of the income of different customer groups.

6. Understand the customer service level of the platform and how satisfied the users are.

Experience platform customer service, WeChat***, customer service QQ group, customer service**, etc., various channels to understand, from the mouth of the customer service staff, if the customer service staff is vague about some questions or take care of him, this kind of platform is best not to vote.

In addition, if it is a local platform, investors can find a few partners in the same city who have P2P investigation experience to conduct on-site inspections in the company, so that they can have an in-depth understanding of the spirit of the platform operation team, the professional level of the management team, and whether the loan business information is complete.

First, look at the qualifications. In addition to the complete 5 certificates, the real and legal platform should also have Internet operation qualifications, at this time, it should look at the platform's filing, domain name legality and other information.

Second, look at the evaluation. Before we choose or receive something, we will always refer to the opinions of others, and this P2P is also applicable, investors can check the platform's reputation in the industry, honors, reports, and other search engines.

Third, look at the team. As the so-called professional people do professional things, this principle is very correct. Referring to the previous series of runaway platforms, most of them are management teams that do not have experience in financial operations.

Fourth, look at the project. It makes sense that the average P2P rate of return has been declining right now. If the borrowing company is willing to borrow money despite high interest rates, either he has a problem or the platform has a problem.

Problematic platforms often offer high interest rates, making it difficult to protect investors' rights and interests. You can look at the OK loan project to see the authenticity of the borrower, licenses, collateral and other information.

Fifth, look at development. This is the point of view that I have always believed, any company that wants to make a platform with heart and want to do a good job will definitely move around often and often communicate and learn from excellent people to strengthen itself, so it is also a good reference to see the daily dynamics of the platform.

Answer]: P2P wealth management, as a high-yield wealth management product, has become the first choice for rational investors. So are P2P wealth management products safe? How to choose a safe P2P financial product? Here's a brief introduction:

Are P2P wealth management products safe? In fact, it is safe to find the right financial product.

1. Choose a large P2P financial management company with high credibility. Generally speaking, the larger the P2P wealth management company, the larger the scale of funds, which also guarantees the liquidity of funds to a certain extent. Secondly, the risk control measures of large companies are also more standardized, and the investment risk has been lowered by one level.

2. Understand the risk management and control measures of P2P financial management. Nowadays, the bad debt rate of pure credit lending business has increased, and many platforms have turned to mortgage business. Therefore, investors can also pay attention to the collateral of the loan, such as real estate or vehicles, houses in the central area or suburbs, and the intrinsic value of the loan is different, which will also determine the effective redemption degree of P2P financial management.

3. Figure out the purpose of the loan and the repayment method. What does the borrower do with the money, buy a house? Buying a car? Whether there is a fixed income and so on. General civil servants, doctors, teachers and other professions have relatively stable repayments. Bury Brigade Cha.

4. Some formal P2P platforms, in order to attract investors, will implement principal protection plans for investors; Then when bad debts occur, these platforms will pay investors the corresponding principal, and even pay the principal and interest. With these guarantees, investors can rest assured that they can invest in P2P financial management.

1. Look at the registration threshold: look at the registered capital of the platform, find out the details, and block the platform without capital capacity to reduce the risk.

2. Look at the risk margin: The risk margin, also known as the blind risk reserve fund and the risk guarantee fund, is one of the most common security methods used by many platforms. When the investment project on the platform is overdue, Lao Ying will take out the funds from the risk margin account by the platform to advance the principal or principal and interest for the investor.

3. Third-party guarantee: The platform uses a third-party guarantee company to guarantee the principal, interest or principal of the investment projects on the platform, which is a safer guarantee than the risk margin.

4. Rationally look at high returns: For example, the annualized return of Aitoutou is between 7-15%, and when the interest rate level of the platform is too high, it is necessary to be vigilant.

Wealth management must purchase products from national formal financial institutions, such as: banks, insurance companies, ** exchanges and other institutions; Financial management must be combined with their own income to buy in moderation, do not let the purchase of financial management affect the normal life of individuals.

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1. A transparent P2P financial management platform is the first choice.

At present, there are many P2P online lending platforms across the country, and both borrowers and investors should carefully consider and fully consider the reliability of the platform for annualized rate of return and loan information. Before registering, be sure to double-check the registration information of the platform to see if it is transparent and legal. Once the platform's borrowing interest rate or investment income is too high, be vigilant.

All in all, don't go for unclear high interest rates. Choosing a formal P2P financial platform is the right choice we have to make.

2. Read each contract of the platform carefully.

On the premise of understanding the relevant regulations of online lending, you must carefully check the electronic contract of the platform before registering. The reading of electronic data by both the investor and the borrower should be carefully checked, which is related to the rights and obligations to be performed by both parties, which is of great significance. The key information in the electronic contract, including the loan amount, time, interest, borrower's information and repayment ability, etc., should be paid attention to by both investors.

3. Role-playing also needs to be carefully chosen.

No matter what situation you find yourself in, understand your role. In terms of relevant legal relationships, P2P platforms have multiple roles. First, it needs to be clarified that the P2P wealth management platform is an information intermediary platform, which only provides matching loan services for lenders and borrowers on the platform

Similar to the role of matchmaker and moon age. The second is the transferee of the creditor's rights, when the borrower fails to repay the loan within the time limit, the P2P platform uses its risk reserve to repay the lender's creditor's rights against the borrower.

Fourth, income, safety and liquidity are the basic points of examination for product selection.

Before purchasing P2P wealth management products, you should compare multiple P2P products in terms of product returns, security and liquidity, and select the products that are suitable for you according to your own investment needs and actual situation.

Fifth, timely grasp the product situation can not be lazy.

Although the income of P2P wealth management products is stable and the investment is also very convenient, each financial product has a different rate of return under different social environments and times, so during the purchase of P2P wealth management products, it is necessary to track the product in time, grasp the income status of the product in time, and constantly adjust the investment strategy according to changes.

Different financial management methods and skills may be slightly different at different ages, so we must constantly adjust our financial needs, do a good job in financial management, understand your financial status and financial goals, and then choose financial products that are suitable for you, formulate financial plans, and strictly implement them, that is good financial management.

1. Yield: A version of P2P financial products are based on annualized returns, some of which are very high, but in fact they are annualized, which is the income that you only have after investing for a year. If the short-term investment version is not able to achieve such a high return.

Therefore, when investing, you must see whether it is an annualized return or an income.

2. Financial withdrawal: depending on the financial withdrawal time, some must be full of how long to exit, and some are withdrawn at any time (rare), so you should choose the investment period according to your actual situation;

3. Look at the platform: be sure to find a reliable platform to do; If the platform is unreliable, it is obvious that the investment security is low, and it will encounter the risk of running away;

4. Rational use of platform red envelopes and various coupons: Wealth management platforms generally launch red envelopes and wealth management coupons, and the rational use of these is also a way to raise interest rates, which will improve your capital returns.

5. Others: The overall should be combined with its own situation to configure the investment ratio.