幸运飞艇不贪稳赚

p2p投资什么比较好 不同的资产类型风险相差甚大!

作者:小柠类型:整合 发布时间:2018-10-13 08:30

p2p投资什么资产比较好?幸运飞艇不贪稳赚很多投资人,投资有一个误区,就是选择P2P时仅仅把关注点放在平台风控,标的收益上,却没有考虑到根源:钱安不安全,利率是否合理的根本原因在于你把钱借给谁,底层资产是什么。比如借给无抵押个人消费,底层资产是个人信贷。借给企业,叫企业贷。借给以车房为抵押的,底层资产是车贷房贷。资产是P2P的命脉,底层资产,决定这家P2P的业务模式、利润、和发展前景。

p2p投资什么比较好

幸运飞艇不贪稳赚 QIANDUANSHIJIANYIXIEPINGTAIBAOLEI,WENTIJIUCHUZAIDICENGZICHANSHANG。

ZUIZAOGAODE,MOGUOYUDICENGZICHANSHIJIADE。BIRUYINDOUWANG,ZHIQIANBEIBAOCHUYINDOUWANGDAPITONGDIZHIGONGSIZUTUANFABIAO,DALIANGWEIYUANHUIJIHUNANDEGONGSIYIBEIJINGFANGCHANZUOWEIDIYAWUYISIZAOJIA。ZHEISHIDICENGZICHANBUMINGQUE,SHEXIANFAJIABIAO。ZUIHOUPINGTAIPAOLULE,TOUZIRENMENGSHOUJUDASUNSHI。

DICENGZICHANZHENSHIYEWEIBIKEYIANXIN,HAIDEKANTASHINALEIZICHANHEZIJINLIUXIANG。BIRULIXIANGBAO,PINGTAILIYONGQIAOGONGSIJIEKUAN,SHIJIZIJINLIUXIANGSHIDAOSHANTOUSHIDEFANGDICHANXIANGMUSHANG,YINXINGYEFENGXIANHEBODONG,ZUIZHONGJIEKUANFANGWULICHANGHAI3.3YIYUANDEZHAIWU,DAOZHIXIANGMUYUQI,TOUZIRENZIJINSHOUSUN。ZHEISHIDICENGZICHANWEIQIYEDAIRONGYIMIANLINDEFENGXIAN。

DUIYUPINGTAIERYAN,SHENGCUN、FAZHAN、BEIANJUEDINGXINGYIYIDEYIHUANJIUZAIDICENGZICHANSHANG。

幸运飞艇不贪稳赚 SUOYIDUIYUTOUZIRENERYAN,LEJIESUOTOUP2PDICENGZICHANSHIFENZHONGYAO。XIANGKAITOUSHUODE,TAYINENGRANGWOMENQINGCHUZIJIDEZIJINLIUXIANG,DANGCHUXIANZICHANFANGDEXINGYEBODONG,WOMENKEYIDIAOZHENGCELVEJIAJIANCANG。ERNENGGUSUANBUTONGDEDICENGZICHANJIWODUOSHAODESHOUYILVSHIHELIDE。

YIBANZHULIUDEDICENGZICHANYOUXIAOEXINDAIHEXIAOFEIJINRONG、FANGDAICHEDAI、QIYEDAIHEDAEXINDAI。

一、小额信贷和消费金融

XIAOEDEGERENXINDAISHIZUIFUHEP2PWANGDAIXIAOE、FENSAN、TOUMINGTEDIANDEYIZHONG。GERENJIEKUANJINEYIBANDOUZAI10WANYINEI,JIUSUANCHUXIANYUQIHUAIZHANG,DUIPINGTAIDEYINGXIANGYEJIAOXIAO,DUIFENGKONGCUOSHIZUODEBIJIAODAOWEIDEPINGTAI,MUQIANLAISHUOSHIBIJIAOHAODEYEWULEIXING。

幸运飞艇不贪稳赚 XIAOFEIJINRONGSHIGERENXIAOEXINDAIDEYANSHEN,TAJIANGXINYONGDAIJINXINGCHANGJINGHUA,TONGSHIYEJIANGDILEFENGXIAN,FUHEJIANGUANDEYAOQIU。DUIYUXIAOFEIJINRONG,YIBANMINGYIDEJIEKUANLILVSHI36%ZUOYOU,DANYOUYUDABUFENHAIKUANFANGSHIDOUSHIDENGEBENXI,ZHENSHILILVXIANGDUIYUMINGYILILV*1.85%ZUOYOU。ZAIFENGXIANKEKONGDETONGSHI,YEYOUGENGDUODELIRUNKONGJIANWEICHIPINGTAIYUNYINGFAZHAN,YIJIRANGLIJITOUZIREN。

WOMENMAIP2P,KEYOUXIANXUANZEDICENGZICHANWEIXIAOEXINDAIHEXIAOFEIJINRONG。QIZHONG,XUANZEZICHANDUANZIYINGDEBIGENDISANFANGHEZUODEHAO,FENGXIANGENGKEKONG。

幸运飞艇不贪稳赚 YOUDEPINGTAIGUIMOJIAOXIAO,MEIYOUZIYINGDEZICHANDUAN,JIUXUANZEGEZHONGGEYANGDEZICHANDUANDISANFANGHEZUO,SHENZHIQUXUNZHAOWAIBAOTUANDUICONGSHIFENGXIANGUANLIGONGZUO。ZHEIYANGHUIJIASHENLEPINGTAIDEFENGXIAN,HAIHUIZAILEISIDEJIGOUJIANXINGCHENGFENGXIANCHUANDAOZUOYONG。YIDANYIJIAZICHANTUANDUIDEZICHANZHILIANGCHUWENTI,KENENGHUIYINGXIANGDUOJIAZIJINPINGTAIDEDUIFU。

二、车贷和房贷

CHEDAIHEFANGDAISHILIANGZHONGDIANXINGYOUDIYAWUZICHAN。

CHEDAISHIBIJIAOCHENGSHUDEYEWU,YOUYUJUYOUTIANRANDEDIYAHUOZHIYAWUCHELIANG,FENGXIANHENXIAO。LINGWAI,CHEDAIDEJIEKUANJINEGENJUCHEJIADEGUZHI,YIBANDOUZAI20WANYINEI,RONGYIFUHEXIAOEFENSANDEJIANGUANYAOQIU。MUQIAN,HENDUOPINGTAIDOUKAISHIZHUANXINGZUOCHEDAIYEWU,SUIZHEJIATINGCHELIANGDEZENGDUO,CHEDAISHICHANGDEQIANJINGHAISHIBIJIAOGUANGKUODE。CHEDAIWORENWEISHICHULEGERENXINDAIXIAOFEIJINRONGWAI,YIGEZHIDETOUZIDEFANGXIANG。XIAODAOCHUANWENGUSUAN,CHEDIDAIZONGHEDEJIEKUANLILVHUIZAI20%-30%ZHIJIAN,CHEZHIYADAIZONGHEDEJIEKUANLILVHUIZAI18%-25%ZUOYOU,YIZUDAIGOUZONGHELILVZAI20-30%ZUOYOU。

幸运飞艇不贪稳赚 FANGDAISHIWOBUJIANYIDAJIATOUDEZICHAN。YISHIJIEKUANEDUJIAODA,BUHEGUI。ERSHIFANGJIASHOUFANGDICHANSHICHANGHEZHENGCEDEYINGXIANG,FENGXIANJIAODA。TADEZHENGCHANGDEJIEKUANLILVHUIZAI11%-15%,NENGGOUJIDAOTOUZIRENDAGAIZHIYOU8-10%。LIRUNKONGJIANYEBIJIAOXIAO,RUGUOCHAOCHUZHEIGEFANWEI,WOMENJIUKEYIRENWEITASHIBUHELI,KENENGYOUWENTIDE。

三、企业贷和大额信贷

QIYEDAIHEDAEXINDAIYESHIWOBUJIANYITOUZIDE。QIYEDAIHEDAEXINDAIJISHIJINGJIHUANJINGHAO,TAYEHENRONGYIYOUWEIGUICAOZUO。YOUXIEQIYEDAIXIANGMUBIAOMIANBUCHAOGUOYIBAIWAN,SHIJISHICHAIBIAOLE。HENKENENGZHENSHIJIEKUANJINECHAOSHUQIANWAN。YIDANSHOUXINGUOYIJINEDEQIYECHUWENTI,JUEDADUOSHUPINGTAIZIJINLIANDOUHENNANWEICHIZHENGCHANGYUNZHUAN。ZHEIBEIJIANGUANYICHA,KENDINGSHIBUHEGUIDE。YOUYINWEIJINNIANLAIZIJINJINZHANG,QIYEWEIYUEGAOFA,QIYEDAIHEDAEXINDAICHUXIANLEXUDUOYUQI,SUOYIGENGJIABUJIANYIDAJIATOUZHEILEI。

主流的资产端业务大致有上面三类,根据合规要求和今明两年经济和行业动向,我比较建议大家投小额信贷、消费金融和车贷资产。房贷、企业贷和大额信贷风险较大,合规度也较低。

金柠网贷款小贴士
P2P投资根据资产的不同会导致资产类型风险相差也甚大,所以大家在投资时要注意风险!

 

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