Criticism and defense of Internet financial products

It feels like 1 is a little authentic, and 2 is a bit of a Chinese style.

It belongs to some current financial management without threshold, such as Yu Yu Bao, Pan Rong Bao, and Pan Asia Day Jinbao, and the Pan Rong Bao I do has an annualized rate of about 13%, which is not bad

Yue Bao is very good, it does not lose money, earns less, and there is no risk. Pretty good.

First of all, you need to know about the Internet.

There are many Internet financial products, but the most important thing is to choose a safe and suitable oneself, Diandian Wealth Management This platform has a variety of investment targets such as sesame door, guarantee door, credit insurance door, etc., you can try it. At present, the investment also sends 1,000 yuan for inspection.

At present, Internet financial products are mainly aimed at P2P, wealth management, crowdfunding, third-party payment and electronic currency.

Compared with traditional financial products, Internet financial products BAI

There are also several important risks that are also faced:

The biggest risk of Internet finance is that the model is not perfect and mature enough, and it is full of uncertainties. For example, the supervision of the real situation of P2P platforms is not enough, and for example, there are no strict standards for the punishment of violating platforms, and it may not be painful.

Moral hazard.

Platform self-financing. Illicit financing.

Fraudulent purposes.

Internet wealth management is network financial management, which refers to a series of activities in which investors or families obtain financial services and financial information provided by merchants through the Internet, and constantly adjust the existence of their remaining assets according to changes in external conditions, so as to maximize the return on personal or family assets. For example, Wealth Management Connect, Yu Yu Bao, etc.

Internet finance refers to a new financial business model in which traditional financial institutions and Internet enterprises use Internet technology and information and communication technology to realize financial integration, payment, investment and information intermediary services. Internet finance ITFIN is not a simple combination of the Internet and the financial industry, but a new model and new business that naturally arises to adapt to new needs after being familiar and accepted by users (especially the acceptance of e-commerce) in the realization of security, mobile and other network technologies. It is an emerging field that combines the traditional financial industry with the spirit of the Internet.

For example, Tmall, etc.

One. Define and understand requirements. There are several types of financial needs at present:

1. Security, which is relatively complex, requires the most basic skills. Security requirements are first of all to understand the entire system, it can be said that the vast majority of security, in the current needs of the general product manager, that is very safe, can be put into the larger system, put into other system calls in the industry, and even put in UnionPay and other outside the industry calls, countless security rules are actually full of holes.

2. Ordinary needs. Understand why the customer wants it, then how to do it, and finally how to get the benefit from it. If the order is reversed, there is a high probability of becoming a tragedy.

3. Innovative needs, as far as I can see, this is the most difficult. The demand for innovation requires you to first understand the rules of banking supervision, and innovation is to live on the bottom line of the rules.

4. Superior needs or VIP needs. The key to this is to understand the essential reason why the VIPs are making this demand, especially to restore the scene and understand the scene.

5. The demand of the same industry, it is funny to say, and there are many needs in the banking industry because others have done it, so they have to follow it. This kind of demand, you have to understand why other peers do it, the real starting point, and your own bank to do it, and its focus is on the first. After understanding this, you can't be taken into the ditch, and you must avoid the situation where you see others falling into the ditch with your eyes, but you have to listen to the leader and jump into it.

Second, after figuring out the needs, it is also difficult to coordinate resources. Development resources, testing resources, online resources, and post-maintenance resources.

3. Operations. I've always envied those godox-level product managers who can make product operations prosperous, who can get resources, can put resources into the bones, and can meet KPIs at a small cost (very vulgar, right?). But this is the pressure of assessment!

Directly linked to bonuses), what's even more awesome is that it can not only meet KPIs, but also really make the product shine in the market.

Yihezhai Technology, Internet Finance, and innovative mobile Internet enterprise.

The most important thing is to ensure the safety of users.

Internet financial product managers also belong to the knowledge system of product managers, product managers must have the ability to learn quickly regardless of the field, that is, to understand finance, but the knowledge system of product managers is the same, if you do not understand demand analysis, will not evaluate and control the demand, at least brd mrd prd is also the basic skills of the product, but also understand the user experience, user experience 5 elements. In fact, no matter which field the product manager goes to, the knowledge system of the product is the same, the only difference is the knowledge in the field, which requires the ability to learn quickly.

Internet finance refers to an emerging finance that relies on Internet tools such as payment, cloud computing, social networks and search engines to realize financial integration, payment and information intermediation. Internet financial products are the most well-known, Alipay, Tenpay users are also relatively large. Thank you, please adopt!