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Note Financing Risks Must Be Cautious

2014/7/9 16:07:00 28

Bill Financing Internet Banking Financial Management

here the world is < a href= "//www.sjfzxm.com/" target= "_blank" > clothing < /a > a href= "//www.sjfzxm.com/" target= "//www.sjfzxm.com/".

in the year after the launch of the balance treasure [micro-blog], once the fresh vigor is over, the "baby"'s profits are up and down, and because of the relatively loose funds in recent years, the end effect of financial products has not been revealed. A large proportion of ordinary investors seem to be at a loss.

Recently, some large Internet platforms and financial platforms have launched a number of financial products that yield more than 6% and the threshold is as low as 1 yuan.

Will financial products become a new artifact for Internet financial management? Is it really "high yield and low risk"?

While the world cup is in full swing, all trades and professions are closely watching the four year business opportunity of the world cup, and the financial market is also free from vulgarity. P

Recently, the financial platform of a large website has launched a bill financing product linked to the world cup. Its expected yield of up to 8.8% is very bright, and the total amount of the project less than two minutes on the line of 480 thousand yuan has been sold out.

from the design of the product, the yield of this product is linked to the result of the match between Brazil and Columbia in the world cup. If Brazil wins, the investor can get 6.6% of the basic income plus 2.2% of the income subsidy; if Brazil does not win, the investor will get 6.6% of the basic income.

The acceptance bank is displayed as Bank of China (2.56, -0.02, -0.78%) Guangzhou Tianhe sub branch sales department.

Less than P, such a seemingly high yield and no loss of business, the use of the world cup is a hot gimmick.

the starting point is only 1 yuan, the highest yield is 9.8% .

< < a href= > //www.sjfzxm.com/news/index_cj.asp > > Bill Management > /a > the characteristics of products are: low starting point, high yield, low risk and short duration.

It seems that bill financing seems to have all the characteristics of Internet financial products counterattack.

reporters found on these platforms that the expected annual yield of these bills is more than 5.5%, and the highest expected yield is 9.8%.

From the time limit, most of them are concentrated in 60~160 days. The starting point of the subscription is generally around 1000 yuan, and the lowest subscription point is only 1 yuan.

for example, on a certain Internet financial platform, the expected annual yield of a bill financing product is as high as 9.8%, which is composed of 8% basic income and 1.8% platform income subsidy. The total amount of project financing is 1 million 10 thousand yuan, the starting point of the subscription is only 1 yuan, and the duration of financial management is 106 days.

The product description shows that the acceptance bank is the Sales Department of China Minsheng Bank (6.11, -0.09, -1.45%) Dongguan branch, and the repayment method is due to repay the principal and interest, and the guarantee method is "unconditional acceptance of principal and interest of banks".

Once the product was launched, it was kill by seconds. A total of 227 investors subscribed.

the platform says that the fastest record of single product collection on that day is 18 seconds, and 30 seconds subscribed 3 million, 1 minutes after the subscription amount reached 5 million, such a "spike" speed can be astonishing.

However, there may be many investors with a try mentality. The subscription amount of individual investors is not high, the minimum subscription is only 1 yuan, the highest is only 5000 yuan, and most subscribers are concentrated in the 1000~5000 range.

and on another financial platform launched by Internet bigwigs, there is a similar bill business called "SME loan" and "bill loan".

Such products are also provided by borrowers with loan guarantee measures, and are implemented by financial institutions such as banks and insurance companies. Loan guarantee measures are adopted by banks or insurers to guarantee insurance. Through this platform, loan applications are issued and direct financing is made to investors.

From the product description, the investment threshold of this kind of product is also 1 yuan start, the scale of financing is from 20 thousand yuan to about 700000 yuan, and the duration is about 50~160 days.

However, on this platform, the expected annual yield of negotiable financial products is also around 5.5%, and there is no product that is close to 10% high yield on the platform mentioned above.

high yield can not be sustained. It is not risk-free to manage bills.

according to the propaganda of these financial platforms, "low risk and high return" is the bright spot for bill financing products, and more platforms call "bank failure is the only risk".

Then, where does the high yield of bill financing products come from? Is it sustainable? Is there really no risk in the bill financing products?

a research report shows that in May this year, under the situation of double market funds and scale, the discount rate of the bill market fluctuated around 5%, reaching 5.5% once.

On the Internet financial platform, the lowest expected rate of return is also above 5.5%, while the high rate is 9.8%. The rate of return is far higher than the discount rate of the current bill market.

in fact, at present, the Internet launched this kind of bill financing business is equivalent to moving the past civil or intermediary business to the Internet, which is more convenient in the process, and eager to use money to pay more interest to realize cash, which has led to the high yield of bill financing.

however, Xu Zhengguo, a financial planner of fortune international registry, thinks that high yield is a way of financing eyeballs in the early stage of promotion, and does not have long-term sustainable potential.

At the same time, money management products are not without risks.

In addition to the possibility of a very low risk of bank failure in the short term, false bills and cash risk are the real risks of the bill financing products.

expert advice: it is very important to select a reliable platform for early adopters' financial management.

for ordinary investors, early adopters are not indispensable, but we must pay attention to the risks behind them.

Then, how should investors choose the money management products?

Xu Zhengguo suggests, first of all, investors should choose internet professionals or trusted financial platforms.

Due to the limited scale of the bill financing market and the participation of too many network platforms, it also means an increase in risk. It is best not to choose a new platform that has never been heard before and is difficult to find relevant qualifications.

secondly, when investing in such a product, ordinary investors must understand the nature of the product, such as who the accepting bank is, what the financing purpose is, and consult the qualifications of the relevant enterprises. Do not blindly pursue high returns.

Taking into consideration the ability to verify authenticity and the ability to pay, Xu Zhengguo also suggested that ordinary investments should choose products from large organizations or large state-owned banks' acceptance of products, because these organizations have professional inspection teams, which can reduce the risk of investors' funds.

In the end, investors should also pay attention to the interval between P and the date of purchase.

In order to achieve the effect of publicity, some platforms tend to raise the expected annual rate of return, but such a high expected return is not equal to the actual yield.

For example, there is a difference of 7 days between platform purchase days and interest days. In these 7 days, the investment funds have no income or only have current interest rates, which makes the final investors get lower real interest rates than expected yields.

Bill Management > /strong > /p >

what is it? /p >

the so-called money management means that the financing enterprise or the financing person will use the bank acceptance bill as the pledge guarantee to raise funds to investors through the Internet platform.

Popularly speaking, the essence of bill financing is a P2B (personal to enterprise loan) investment and financing platform.

basically all the sales on the Internet belong to the bank acceptance bill.

The discount of a bank's bill is a behavior of the holder in advance selling the undue note to the bank in order to obtain liquidity funds.

The so-called "bank acceptance" refers to the written credential issued by the bank at maturity.

According to the relevant provisions of the negotiable instruments act, a bank acceptance bill is accepted by the bank. When the bank promises to expire, it will pay the amount of the bill unconditionally to the owner of the bill.

because such products are based on banker's acceptance bill, so it is less risky for investors to link them to bank credit.

On the other hand, online money management products yield much higher than the recent baby products and bank financial products, so they are also popular in the Internet.

there is a risk .

1: false bill risk

verifying the authenticity of a bill is very important. Generally speaking, a banker's acceptance bill includes a drawer, a accepting bank, a maturity date of the bill, an initial bill holder, a bank number, a acceptance bank, a face special finance and a bill of exchange, and should have endorsement. The last endorser is a financing enterprise.

Therefore, it is better for investors to study the key information of the bill to see the authenticity.

Generally speaking, ordinary investors do not have the ability to distinguish the authenticity of negotiable instruments, so choosing a professional, large and trustworthy platform is particularly important.

Xu Zhengguo mentioned that in recent years, there are more and more bills forgery, and the level of counterfeiting of bills has been getting higher and higher. Even some small and medium-sized banks have suffered a lot in the identification of false bills.

Therefore, he suggested that in the early stage of product promotion, investors who want to try will try to choose a large financial platform to subscribe for such products. "The products sold on large platforms are linked to their credit. In the initial stage of product promotion, there will not be any case of using fake bills to sell financial products on large platforms."

Two: cashing < a href= "//www.sjfzxm.com/news/index_s.asp" > risk > /a > /strong > /p >

although the bill financing business on the Internet has been shown as "bank acceptance" and "capital preservation and interest payment", this does not mean that there is no risk of cash payment in negotiable instruments.

Xu Zhengguo believes that when a loan company appears to have financial difficulties or a credit crisis occurs on its financial platform, it will be possible to face the risk of cash payment.

In particular, if the acceptance bank is a small and medium-sized bank or a credit union, it may delay the payment of the draft when it meets the situation that the bank has not been standardized and the funds are tight.

in addition, Yin Yanmin, a financial analyst at bank financial network, thinks that the scale of the financing market is limited, the information is opaque, and the standardization needs to be strengthened.