At the weekend of last weekend, an invitation from a friend of the financial media was used to attend a financial education seminar at the Shanghai Jiaotong University Xuhui Campus. The total number was about 30 or so, with the exception of 3 teachers and 2 graduate students of the Jiaotong University, and others. All are employees in the financial industry, and some financial media friends.
The director also did some investor education work during the activity, especially the risk prevention of internet finance.
The factory manager listed"Eight does not vote."
Today we have combed everyone, and it is easier to understand. The friends at the seminar said that they were simple, crude and very practical.
1. Platforms that do not conform to the direction of the national policy and run counter to regulatory policies
Undoubtedly, the platform that is on the edge of the law and the edge of the ball is the most dangerous. The 8.24 regulations promulgated by the China Banking Regulatory Commission are outside of the regulatory policy. Similar to MLM, Pang's scam, even if you may be able to grab a handful of wool in the short term and make quick money, it is not suitable for most people.
Some consumer rebates platforms, online pyramid schemes, and ICO projects are extremely risky and illegal.
In the past few days, Lian Lianhui has had the risk of “suspected MLM”, “illegal fundraising” and “Ponzi scheme” in the last few days.
Someone should say that the country is still not blocked?
Just started crazy crazy money period, everyone is making money, who is willing to report it? Waiting after the incident came to blame the government for not monitoring. . .
2. Only platforms with financing and no loans can not be voted
For investors, what we want is financial income.
What does it have to do with loans? The director tells you about the risks here. If you invest in financial products and the money is given to the platform, will you be relieved?
too naive!The real thing to look for is where the money goes. Where does the money go? It is the loan that we have to say to whom in the end lending, car loans, mortgages, mortgage loans, down payment loans, credit loans, cash loans..... It's where your money goes. Where to decide if your money is safe or not.
Without a loan-end platform, it is either a fraudster or a purchase of someone else’s assets. Such a high cost is not a long-term solution for investors or the platform.
3, the high revenue platform does not cast
This does not need to explain how everyone understands that Wool Party is not suitable. They are typically chasing high-yield platforms.
The income is too high and high, mainly concentrated in the funds, cash loans platform more.
Last year, the operation of a cash loan platform of a certain certain treasure told the director that they could achieve 60% to 200%, and I would take advantage of it. Specifically how to play, they are gambling, I lend money to those who are not credited, similar to no credit card, no spending money. 1000-5000 range, borrow 11000-1200 yuan after 1000 months. If 60% of people pay back their money on time, they are making money and the odds are gambling.
In the current online loan environment, the director's comprehensive annualized red line is 15%! (Except for some new beacons, some platform newbies can give 20-30%, just to get new users and benefits).
As for the 1-3% daily revenue of the platform, who touched who is a fool!
4. Unclear platform for profitability
How to explain this profit model? How important is it for you to open a company and how to make money for yourself, only knowing that you have burned the money for the venture, or that you have invested in the hard-earned money? You lose the original intention of doing the platform.If you only want to rely on the Ponzi scheme to support your development, rely on people to seek profits. It must be abandoned by everyone.
A good profit model is the fundamental guarantee for your long-term development. The domestic P2P online loan platform mainly presents three types: a pure information mediation model, a network loan model that provides guarantees, and a creditor rights transfer model. At present, the transfer of creditor's rights has been banned, and only the information agency and guarantee model is worth exploring in depth. It is also the main profit model in the current online lending platform. Most of the many platforms recently listed on the United States are information mediators, and borrowers and investors directly match one type of information.
So far, if the platform you invest in has been losing money, the profit model is still a variety of developments, there is no major direction, then quickly evacuated it, he will sooner or later have problems.
5, the platform is not clear wind control mode
The director of the factory studied the risk control model in the P2P industry. There are mainly mortgage loan models, guarantee models, and credit loan models. Of course, some platforms will choose a combination of several models.
Risk control is the key to finance. There are too many problems in this problem of wind control. The director will explain it incomplete at 1:30. The next issue will focus on the analysis of the risk control model of the online loan platform and talk about the case. I believe we can bring more detailed answers to everyone.
In short, you must go to chat with customer service, and then discuss with the director. At present, the main prevailing is the risk of backup, this is very important, keep in mind.
6, the establishment of a long time platform, the smaller can not vote
In fact, we all still understand each other. Many people have asked the same question in the past six months. The tightening of online loan supervision policies, the platform is busy with filing and compliance, and the birth of a new platform means very high cost operation. Both the customer cost and the operating cost are at a high level. Unless you are a platform for the background of a super boss, but the boss is not stupid, this time into the money.
Some small platforms are very rampant. Their operating time is more than one year. The transaction size is basically within one billion yuan. It is in a very awkward position in the industry. Currently, the cost of rectification of online loans is relatively high. There is only depository, no background, no wind. Investment and reputation are also general. There is also no money for a lot of advertising, both for the Wool Party and for fear of asset insecurity.Eighty percent of the final outcome of this platform is to sell or liquidate.
7, frequent replacement of legal entities can not vote
As an example, the director said that after Huitong Rongxin Investment Management (Beijing) Co., Ltd. ran the road, a typical feature was that legal persons frequently changed: Fu Wei → Rong Yaodong → Shi Wenfeng!
The director specifically reminded the legal person of frequent changes in the platform. Some fraudster platforms will change the legal person into a scapegoat before the accident, and some even make the legal person directly disabled or demented and have no civil capacity. Then wait for the investor to arrive at the scene and have already slipped away.
So be especially cautious!
8, offline financial management platform can not be done, especially the blind expansion of the store
The store I am referring to here refers to the store that absorbs the investor, not the store on the asset side. When we say this, in fact, many offline financial platforms have been tightened, closing many stores. The director remembered that in 15 years, e renting platforms and other platforms almost chased the real estate agency, and the store opened a fire.
The recently investigated Shanlin Finance has nearly 1,000 offline wealth management stores. However, there are still some platforms with physical stores. The operating costs, rental, labor, and publicity of physical stores are N times that of online platforms. The money is the cost of financial platform, and the limited operating platform will intensify in order to survive. road.
The root of the director's failure to rely on the platform lies in the control of risks. He hopes that you can see the perfect lightning protection and make money!
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