What is Internet financial management, and is it safe and reliable?

In the past, when the Internet was not developed, you could only buy wealth management products through offline outlets.

In fact, at that time, financial management was not feasible for many people, because you did not have that way at all, let alone that awareness.

With the popularity of the Internet and, you can buy **** or various financial products through a mobile phone.

Internet financial management sounds quite lofty, but in fact, it is just a cloak of the Internet.

As for saying that it is safe and secure? Some standard financial products are still reliable, such as **ah, public offering**, these are regulated by various regulations.

However, some P2P financial products are not necessarily, these are non-standard financial products, and there is a risk of fraud, that is, the so-called, running away, etc.

If you want to learn all kinds of financial knowledge, you can pay attention to the Jingxin community.

Internet finance is an emerging field that combines the traditional financial industry with Internet technology. Internet financial wealth management is that users invest and manage money on the Internet financial platform, and the income is generally slightly higher than that of traditional financial institutions such as banks.

In terms of security trustworthiness, it is not possible to generalize. On the one hand, at present, the company has been gradually removing the platform with poor credit status, small capital scale and hidden danger of thunder. On the other hand, the formal large platforms located at the head of the industry are developing faster and faster, and they are also doing better and better in terms of security and risk control, such as Lufax, Jingdong Finance, Yiren Wealth, Aicai Mizhuang, 51 Character, etc.

In the face of such a new thing as online finance, some people lose money and make money. So, is online finance safe?

Recently, there has been a fever in online asset management products, and banks have felt the crisis for the first time, and banks have followed suit. It is said that the China Banking Regulatory Commission (CBRC) has given online financial identity cards. Ah, the banking crisis, it's alive!

Because the banks of today live on monopolies. But is it a good thing that people's money is going to online financial management?

Financial investment focuses on three elements: return, risk and liquidity. However, now the charm of the Internet to you lies in the income, which is much higher than the income of the bank's current account, and at the same time has the liquidity of the current account, the only thing to consider is that the risk network is the most likely to bring people the feeling of risk is safe, such as mobile phone theft, capital theft, network information theft, capital loss, etc., these are technical risks.

However, do you think this is an illegal fundraising agreement? Illegal fundraising can be such a high rate of return, and many people can ** at any time, pay interest on time, what is the end result?

The financial product itself is the symmetry of the risk, emphasizing the return, ignoring the risk of risk, and not caring about the amount of return. This is the risk positioning of investors, so don't expect that there is no risk in online finance, how safe Duan Mu is, there must be a high return and disturbance benefit, and there must be a sense of taking risks.

With the rapid development of Internet financial management, "baby money** online financial management, structured products, insurance financial management, bill financial management, P2P lending financial management, and equity investment are all kinds of new varieties. Risk is always the primary concern of investors, so are Internet wealth management products reliable? Many Internet wealth management products mostly advertise high expected annualized returns, low risk or even no risk after listing, but there are few risk warnings for products.

It has been pointed out that Internet financial management mainly faces several types of risks:

1. The pegged currency** has suffered a huge redemption and is exposed to liquidity risk.

2. Payment operation risks. Although electronic payment is convenient, there are also many omissions.

3. The risk of the platform running away.

For Internet wealth management products, investors should carefully read the product manual, public disclosure information and other materials. It is necessary to see what the essence of the product is, whether it is currency**, insurance products or P2P products, etc. If there is a guarantee clause, it is also necessary to pay special attention to the qualifications and authenticity of the guarantee company, as well as whether there is an affiliated relationship with the product issuer, so as to avoid investors being attracted by the so-called gimmick of "guaranteeing the expected annualized expected return".