Is it safe to buy wealth management online, and what financial products are safe online

It depends on what product you are buying, whether it belongs to bank deposit financial management, or insurance, or **, if you buy it on a large platform, basically the risk will be less, but if you buy it on some small **, you should be cautious. If you really want to buy, you should see the agreement clearly, in addition, if it is a formal wealth management product, it is necessary to report to the regulatory authorities, according to the different products, you can go to the China Banking Regulatory Commission, the Insurance Regulatory Commission, and the Securities Regulatory Commission to check whether the product has been reported, and verified by the relevant institutions, if you can not find the corresponding product approval information, you must be vigilant.

This is the SFC**, and all ** sales approvals are here.

This is public information from the CBRC.

This is the CIRC's administrative licensing public information.

Seek satisfaction.

It's not safe, if you want to manage your money, please send me a private message.

Lufax, Yu'e Bao, Wealth Management, Baiying, and Jingdong Small Treasury are all good wealth management products

1. Lufax.

Lufax - Ping An Group of China's investment and wealth management platform. On the basis of a sound risk management and control system, we provide investors with professional financial services. Ranked as "China's Best Online Wealth Management Platform" by The Asian Banker 2017, the diversified wealth management products meet your all-round wealth management needs

Change wealth management, term wealth management, online loans, etc.

2. Yue Bao.

Yue Bao is a balance value-added service created by Alipay, a third-party payment platform, for individual users. Users can directly purchase financial products such as ** in Alipay**, and the funds in Yuebao can also be used for online shopping, Alipay transfer and other payment functions at any time. The funds transferred to Yu'e Bao will be confirmed by ** company on the second working day, and the confirmed shares will start to calculate the income.

3. Wealth Management Connect.

On January 22, 2014, the cooperation between Tencent and Huaxia officially landed on WeChat. The 7-day annualized rate of return will be announced on the day of the launch of Wealth Management Connect, while the 7-day annualized rate of return of Yu Yu Bao is. As long as you have a smart phone, WeChat APP, and a bank card, you can easily deposit and transfer out.

The 7-day annualized rate of return is equivalent to more than 16 times of the demand deposit, and the maximum daily deposit limit is limited to 8,000 yuan in the trial operation stage.

4. Earnings. Wealth Management is a professional wealth management platform, providing diversified financial products such as current wealth management, regular wealth management, and investment to help you achieve wealth growth with peace of mind. The goals of financial management are:

Through a professional team, we select high-quality financial products, provide fast and high-quality financial services, and create a one-stop professional, comprehensive and reassuring comprehensive financial service platform.

5. Jingdong small treasury.

Jingdong small treasury is similar to the Yue Bao launched by Ali, after users transfer funds to the "small treasury", they can buy currency**products, and at the same time, the funds in the "small treasury" can also be purchased on Jingdong** at any time.

Is it credible? We must treat online wealth management products differently. Neither can we overturn a boatload of people with a single rod, nor can we judge the good or bad of the whole from the good or bad of the individual. How to judge the credibility of online financial products? Which online wealth management products are worth investing in?

Investment value judgment of online wealth management products

To judge the value of an investment, it is first necessary to judge the platform on which it is issued. Be sure to understand the basic information of the online banking platform, such as the time of establishment, business license, business philosophy, registered capital, platform model, etc. Generally speaking, the greater the operational strength of the platform, the higher the registered capital of its online wealth management platform.

The higher the education level of the operation team members and the longer the experience in the industry, it is also an important factor affecting the quality of online wealth management products.

Second, understand how online wealth management products are protected. Generally speaking, credit loans are riskier, and the mortgage and guarantee models are safer.

Third, understand the risk control of online wealth management products. Risk control is the key to judging the quality of online wealth management products. The two aspects of judging the merits of an online wealth management product are mainly the risk assessment when the loan is approved in the early stage, and the other is the timely follow-up investigation of the platform after the loan, and the regular understanding of the borrower's economic status to reduce the risk of overdue.

Having said all this, I believe you have a certain understanding of whether online financial products are credible. In general, whether an online wealth management product can be trusted or not depends first of all on the choice of a good online wealth management platform, and secondly, on the transparency of the online wealth management product, such as the expected annualized interest rate of the product, the use of product funds, the product repayment plan, etc.