Traditional Culture Encyclopedia - Traditional festivals - What are the advantages of Internet financial management over traditional financial management?
What are the advantages of Internet financial management over traditional financial management?
Trust, bank wealth management products, etc. The initial purchase amount is several hundred thousand. But in fact, ordinary people don't have that much money to invest Take Beijing as an example. In the third quarter of 20 13 and 1 3, the per capita disposable income of urban residents was less than 3,300 yuan per month and less than 40,000 yuan per year. In other words, most people are unable to enter the traditional financial market.
Internet wealth management products provide a fairly low threshold for people who are not served by banks. The investment threshold of most online lending platforms is as low as 50 yuan. The lowest investment threshold allows everyone to enjoy the expected annualized expected return on investment, which is impossible for most other investment channels, especially high-threshold trust and bank wealth management products.
There is a large amount of information and it spreads quickly and widely.
The advantages of information are mainly reflected in the extensive and rapid dissemination of information. After all, investors are not. What has troubled them for a long time is the problem of information asymmetry. Now investors can easily grasp the financial information of the whole country and even the whole world online. There is almost no limit to the amount of information transmitted by financial websites. Generally speaking, the market update time provided by internet securities trading is within 8- 10 second, which is faster than any other entrustment method.
low cost
Compared with traditional financial services, Internet financial services save a lot of operating costs, enabling service providers to continuously improve service quality, reduce service costs, and ultimately benefit investors. The first thing to save is the cost of building a huge commercial network; Secondly, the communication cost is greatly saved; In addition, resources such as data are integrated and the workflow is optimized. According to statistics, a new business department usually needs a one-time investment ranging from 5 million yuan to 20 million yuan, and the monthly daily operating cost is 250,000 yuan to 800,000 yuan, while the investment for developing a virtual online financial website is only 1/3- 1/2, and the daily cost is only1/5-/kloc.
Higher expected annualized expected return
At present, the expected annualized interest rate of bank demand deposits is only 0.35%. If it is a small deposit, the interest is almost negligible. Even for short-term bank wealth management products with high expected annualized income, the expected annualized interest rate is only about 3%-4%, and the expected annualized expected income of hundreds of thousands of investments is only a few hundred yuan.
In contrast, due to the expected annualized interest rate agreed in advance, the expected annualized expected return of online loan investment is relatively stable, and the overall average expected annualized expected return level in the past five years is around 20%. Compared with futures and other margin financing and securities lending products, the risk of online loan investment is moderate, and the risk is completely within the tolerance of ordinary people through diversification.
Introduction reading
How to choose Internet financial products
How about online investment and financial management? Is online investment and financial management reliable?
- Previous article:The operation and precautions of winemaking
- Next article:How to install the pedal cymbal for drum set?
- Related articles
- The meanings of action names in Taiji Zhuan are as follows: wild horses divide their manes, white cranes dry their wings and pull the tail of birds.
- How does dry spreading fermented bed deodorize?
- Seek Tang Wei this head bowler hat, mouth bite photo of the original picture. Thanks a million~~~
- Planning scheme of online Tomb-Sweeping Day activities
- Classical mahogany furniture manufacturers recommended five company introduction
- If you use the 555 chip to form a 1s pulse generator, how to choose the external resistor and capacitor
- Comparison of good fishing rod brand
- What festival to eat jiaozi?
- How to distinguish marble from jade?
- What festivals are there in Guizhou in July and August? Where is a lively market in Guizhou? -Recommended attractions