You financial knowledge Xiao classroom

Because the beneficial network integrates the resources of the traditional financial industry, and it is said that the offline cooperative small loan institutions provide 100% of the principal and interest guarantee, I have always felt that the security of the beneficial network is reliable, because the money I invested in the beneficial network has not yet reached the repayment date, and I can't answer the repayment question.

I began to pay attention to P2P platform, mainly because the interest rate of banks is low and there is nothing to invest. Everyone wants to exploit the profiteering industry of private lending, especially when they first taste the sweetness, and they don't care about the risks at all. They can coax anyone's money out and wait for high profits.

For example, the previous Yu 'ebao, the bank 1 3% annual fixed interest rate, is basically equal to no interest, and then lend it to us with the money we have saved. Yu 'ebao is equivalent to a demand deposit, but it has regular bank interest, and the interest is settled daily, although the annual income is between 4.2% and 4.5% (the bank's regular annual interest rate is 3%). Low, very suitable for us, and the risk of Yu 'ebao is also very low.

Moreover, the essence of Yu 'ebao is money fund investment, and the favorable network and pleasant loan are P2P, which are different in terms of yield. I don't know what you think about the security of favorable network. At present, from the point of view of security, favorable network and pleasant loan are the platforms that I feel at ease at present. The only incredible thing is that the bidding speed of the favorable network is particularly fast. It has been three days in a row. It stands to reason that the interest rate of pleasant loan is higher than that of favorable network, which is also the guarantee of principal and interest. But I started at the first time when I grabbed the bid on the favorable network, 10 seconds 90%. I doubt whether this is fair. Whose hand is so fast? I've been saving money with you for days! Is it a business trick that you deliberately play to win money for free?

2. How to choose a reliable financial platform in the favorable network?

First, for P2P online lending, investors must face it correctly, recognize the risks and invest cautiously.

We should keep the following points in mind: First, we should understand the integrity of favorable networks. First of all, the business license, organization code certificate and tax registration certificate of the platform must be sound and transparent, and there is no falsehood.

Secondly, the website information data should be transparent, and it should be able to withstand investors' questioning and questioning. Third, there is a relatively fast response mechanism and a group of patient customer service staff to keep investors informed of the developments and answer questions for investors.

Second, we should know whether the website puts the safety of investors' funds first. First of all, investors should know whether this platform has third-party payment as fund custody, which is one of the important indicators to evaluate the security of an online lending platform.

When a platform becomes more and more powerful, there may be10 million in the fund account. If there is no third-party payment for fund custody, but it can be withdrawn at any time, then the security of investors' funds cannot be guaranteed at all. Secondly, if the platform introduces the separation mechanism of clearing and settlement, investors' capital flow will be completed in their own independent third-party payment accounts, so the capital security will be higher.

Third, we should understand the risk management control measures of the favorable network and observe its project and risk control ability. Some online lending platforms are undertaken by offline guarantee companies, and some online lending platforms are at their own risk. The latter requires higher risk control capabilities.

In addition, investors should carefully review the details of the loan target, including the basic information of the financier's enterprise, credit history, loan amount, loan purpose, repayment source, collateral, etc., to determine whether there is any bid opening or false bid, so as to understand whether the P2P platform has done due diligence in project review and risk control. Fourth, it is necessary to analyze the expected annualized interest rate and repayment method of the website.

Like any investment product, higher expected annualized return may mean higher investment risk. At present, the expected annualized income of various online lending platforms varies greatly, which reflects the trust of investors in the platform to some extent. Often, the more famous platform gives the lower expected annualized income, while the unknown platform gives the extremely high expected annualized income.

In fact, each of us wants to have the best financial plan that suits us, but we must know that only by accumulating enough financial knowledge can we do a good job in financial management. In order to enable more financial investors to achieve the effect of financial management more efficiently and quickly, Xicai.com Financial Supermarket helps you to provide comprehensive financial planning services.

3. Is online financial management a lie?

First of all, I want to say that the beneficial network is not necessarily a liar. After all, there are still many Internet financial websites like it, and wynn treasure I am using now is very good.

Investing in them for three months at an annualized rate of 13% is not the highest income in the industry, but it is safe and practical. Just like our investment and financial management plan, it is only a stable one. Blindly pursuing high returns will bring great risks to yourself.

How to avoid investment fraud 1 First of all, look at whether the investment platform has operational qualifications. Precious metals investment platforms with formal qualifications have * * * approval at or above the provincial level to ensure their own formality and legitimacy. Common black small platforms in the market often have no operational qualifications, and investors can judge whether the platform is formal by checking whether it has operational qualifications. 2. Secondly, whether investors' funds are safe or not, investors are most concerned about the safety of funds. Regular trading platform funds are transferred through cooperation with third-party banks, and the trading platform itself does not involve funds at all, ensuring the safety of customers' funds; At the same time, investors can also verify whether the platform is safe and reliable by checking whether it is supervised by authoritative regulatory agencies. Being able to freely deposit and withdraw funds is also one of the criteria for testing the safety of funds.

3. Then, see if the investment platform is stable. Many small black platforms cheat on trading software, which leads to the phenomenon of card slip and slippage in the trading process, which makes them lose money continuously and achieves the purpose of cheating money. Therefore, when choosing a platform, investors can test whether it is stable through simulated trading software, or choose a stable and formal trading platform according to market reputation.

4. What is the favorable network?

Favorable Network creates an honest, efficient and stable P2P financial platform for investors.

It is a way of financial management with capital preservation. It recommends safe and guaranteed personal loan projects to personal financial users through the platform. Financial users can obtain interest payments on a monthly basis by lending surplus and idle funds to meet their financial needs, and realize the historical expected annualized income of about 65,438+02%. The cooperation between the favorable network and the third-party organizations has played a positive role in promoting the healthy, safe and orderly development of the P2P industry and protecting the rights and interests of financial consumers.

As the first strategic partner of Wang You, Netcom Technology also shows the trust of third-party security agencies in Wang You and their affirmation of its business model. In the future, it is hoped that by integrating their respective advantages and deepening cooperation, Netcom Technology can not only protect the security of favorable network platforms with innovative application security technologies, but also research more secure protection solutions for more companies on the basis of in-depth understanding of Internet companies.