P2P理财:不看这4点,你永远会比别人少赚50%

作者: 发布时间:2017-12-09 17:18:05  来源: [手机访问]
导读: 知乎上有个帖子,老公年薪几十万,创业分红 200 万,可两年后就破产。直接的原因是,老婆把大部分钱拿去购买一些不能增值的物品。钱是人最大的可用资源,如何使用

知乎上有个帖子,老公年薪几十万,创业分红 200 万,可两年后就破产。直接的原因是,老婆把大部分钱拿去购买一些不能增值的物品。

钱是人最大的可用资源,如何使用它,将直接影响今后的生活水平。

会过日子的人,除了拿一部分钱满足日常消费,其它的资金会拿去适当投资理财。

目前P2P网贷行业内一线大平台,短标的年化收益在 6% 左右,12 月长标年化收益在 9.5% 左右。要想年化收益超过 10 %,甚至达到 15 %,投资者要适当分散投资一些“小而美”的中小平台。这些“小而美”的平台,除了“小”,还必须满足其他特征:

P2P理财:不看这4点,你永远会比别人少赚50%

1、专注某个领域

中小平台的规模有限,优秀的人才也有限。假如业务太分散,中小平台就很难把每个业务做好,平台就难以稳定发展。如果深耕某一个细分领域,平台可集中精力去做好这块业务,就可能持续给投资人带来收益。

P2P理财:不看这4点,你永远会比别人少赚50%

2、信息透明

这一点非常重要。大平台就像是一把筷子,某一两根筷子坏了,对平台影响不大。中小平台,就像是一根筷子,假如有一点损伤,对整个平台就有较大的影响。信息透明,仿佛是拿着放大镜去看平台内部是否有裂纹。平台披露的信息多,投资人就能清晰知道平台如何运营。比如车财网对所有借款人的身份证、车辆、驾驶证、行驶证、银行流水等相关信息都有照片披露。

P2P理财:不看这4点,你永远会比别人少赚50%

3、成立时间

P2P 就像一棵树,成立的时间越久,平台的生存能力越强。选择“小而美”的中小平台,最好选择成立时间 2 到 3 年的平台。成立时间太短,平台没有经历过市场和投资人的考验,可能就不够成熟;成立时间太长,收益可能达不到预期。

P2P理财:不看这4点,你永远会比别人少赚50%

4、资金流状况

资金流直接反应平台的运营状况。如果有持续的资金流入,说明平台得到投资人认可,能够持续稳定的发展。投资者可在贷罗盘等网站查看。越是资金流入稳健的平台,就越值得投资,比如车财网。

车财网 主营业务是车辆和房屋的抵押和质押,以“小而美”得到投资者的认可。平台信息透明,车库 24 小时视频实时监控,用户可随时查看车辆信息。10 月,车财网在达州和内江两地成立分公司,目前分公司已达到 6 家。同时, 车财网已完成实缴注册资本 2000 万。

P2P理财:不看这4点,你永远会比别人少赚50%

查看车财网专用车库:https://www.51checai.com/channel?code=toutiaocheku

结语:

“小而美”的平台收益,可能是普通大平台的1.5倍,甚至2倍。想投资“小而美”的平台,投资者可以从如下方面考查:

1、专注某个领域;

2、信息透明;

3、成立时间;

4、资金流的状况。

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