Is the income of decentralized liquidity pool big
Publish: 2021-04-14 18:17:55
1. It's really deceiving. What I said at the beginning is good. Who has ever seen me fulfill my promise
2. If I have 100000 working capital now, I will go to join a chuanchuanxiang store, because the cost of such a store is very low, but its profit is very high, and everyone loves to eat such a thing. If you want to have a position, then there will be a huge benefit.
3. The income of every trust comes from the investment project. One is not just a fund pool trust, including infrastructure, instrial and commercial enterprises, securities investment, real estate, and others. The income of all trust procts comes from investment projects
of course, the fund pool is managed by the trust company itself. The income is higher than other categories
the main reason is that trust companies can invest their funds in projects with higher yield because they do not limit the specific projects. For example: an enterprise has a good credit record. If you want to borrow money from a trust company, you usually make a full adjustment, make a contract, go through the risk control audit of the trust company, and come and go for a few months. But some enterprises can't wait that long. At this time, they will sacrifice a certain amount of interest to quickly obtain capital turnover. At this time, the trust company can match the funds of the fund pool already under management with the project, saving time, and the enterprise is willing to pay a little more interest to quickly obtain funds
from this example, we can see the advantages of capital pool
it can quickly dock some projects and save the time of both parties. At the same time, the income is slightly higher
liquidity management is the same as that of banks, and the fund pool project is issued in a rolling way. Like the bank's wealth management fund, if you go to the bank and say you want to buy wealth management, the bank must say it has. For example, you bought a fund pool trust this Wednesday. If the funds entered the fund pool this week, it may be a project of a listed company, but the funds are not enough. It may be that you invested one project or several projects with one sum of money.
of course, the fund pool is managed by the trust company itself. The income is higher than other categories
the main reason is that trust companies can invest their funds in projects with higher yield because they do not limit the specific projects. For example: an enterprise has a good credit record. If you want to borrow money from a trust company, you usually make a full adjustment, make a contract, go through the risk control audit of the trust company, and come and go for a few months. But some enterprises can't wait that long. At this time, they will sacrifice a certain amount of interest to quickly obtain capital turnover. At this time, the trust company can match the funds of the fund pool already under management with the project, saving time, and the enterprise is willing to pay a little more interest to quickly obtain funds
from this example, we can see the advantages of capital pool
it can quickly dock some projects and save the time of both parties. At the same time, the income is slightly higher
liquidity management is the same as that of banks, and the fund pool project is issued in a rolling way. Like the bank's wealth management fund, if you go to the bank and say you want to buy wealth management, the bank must say it has. For example, you bought a fund pool trust this Wednesday. If the funds entered the fund pool this week, it may be a project of a listed company, but the funds are not enough. It may be that you invested one project or several projects with one sum of money.
4. Fund pool: collect the funds first, and then look for the loan object, so that the lender's funds enter the platform's own intermediate account, which is controlled and controlled by the platform<
four types of P2P platforms or suspected of fund pooling:
one is the P2P procts with high liquidity and claiming to be "redeemable at any time". This kind of P2P procts are often regarded by the market as having both the advantages of high yield and liquidity, which not only ensures a certain level of yield, but also meets the demand of investors for liquidity. In essence, when the user can withdraw money at any time and the P2P loan is not yet e, the withdrawal money can only come from the "advance money" of P2P, that is, the platform can change money to meet the withdrawal requirements and make it up after the borrower repays
the second is procts with only proct name, yield, term and initial investment amount. This kind of proct does not have any information description about the borrower, usually starting with a proct name such as XX Bao and XX Ying, given an agreed rate of return, term and initial investment amount. Investors have no idea where the money is going or how it is going. This is in line with the situation of "designing the loan demand as a financial proct to be sold to the lender"
Third, the P2P platform first transfers the creditor's rights from the third party, and then transfers the procts to the platform investors. There seems to be no problem with this kind of procts. On the legal boundary, it does not violate the relevant provisions to obtain the creditor's rights in advance and then transfer the usufruct of the creditor's rights project. However, in the whole process of creditor's rights transfer, in terms of the matching of projects and funds, it is often unable to follow the point-to-point business logic and connect the screened P2P platform projects with investors' funds. In the process of this transfer, the platform may first transfer the creditor's rights with the funds of previous investors, and then transfer them to new investors. In fact, the project and funds do not match, so it is difficult to avoid the risk of fund pool and illegal fund-raising
the fourth is P2P online loan fund. This kind of proct is first purchased by the platform with its own funds, and then these sets of claims are redistributed and sold. In the first mock exam, investors can buy and redeem at any time. This is a relatively "indirect" P2P proct, which can fully disperse investors' investment and rece the risk of "stepping on thunder". However, similar to the first category above, from the practical operation point of view, investors' funds can not be completely synchronized with the fund's capital flow, and will inevitably form a capital pool
when investing in P2P network loans, we need to master the following three principles:
one is to stay away from high interest platforms. We should be cautious about platforms that offer high interest rates, because such platforms are likely to absorb investors' funds by using high interest rates as t, but they are doing things like repaying the old with the new and Ponzi schemes
Second, it depends on the customer concentration of the platform. If the platform bidding highly concentrated to a few large borrowers, investors should pay special attention, because there may be some risk of self financing
the third is to carefully read the platform's description of the borrowing object. If the description of the subject matter is vague and unclear, it is possible that the subject matter does not exist. The platform may absorb funds first and then look for loan projects. At this time, what the platform does is to pool funds. After absorbing funds, the platform is suspected of self financing and self use.
four types of P2P platforms or suspected of fund pooling:
one is the P2P procts with high liquidity and claiming to be "redeemable at any time". This kind of P2P procts are often regarded by the market as having both the advantages of high yield and liquidity, which not only ensures a certain level of yield, but also meets the demand of investors for liquidity. In essence, when the user can withdraw money at any time and the P2P loan is not yet e, the withdrawal money can only come from the "advance money" of P2P, that is, the platform can change money to meet the withdrawal requirements and make it up after the borrower repays
the second is procts with only proct name, yield, term and initial investment amount. This kind of proct does not have any information description about the borrower, usually starting with a proct name such as XX Bao and XX Ying, given an agreed rate of return, term and initial investment amount. Investors have no idea where the money is going or how it is going. This is in line with the situation of "designing the loan demand as a financial proct to be sold to the lender"
Third, the P2P platform first transfers the creditor's rights from the third party, and then transfers the procts to the platform investors. There seems to be no problem with this kind of procts. On the legal boundary, it does not violate the relevant provisions to obtain the creditor's rights in advance and then transfer the usufruct of the creditor's rights project. However, in the whole process of creditor's rights transfer, in terms of the matching of projects and funds, it is often unable to follow the point-to-point business logic and connect the screened P2P platform projects with investors' funds. In the process of this transfer, the platform may first transfer the creditor's rights with the funds of previous investors, and then transfer them to new investors. In fact, the project and funds do not match, so it is difficult to avoid the risk of fund pool and illegal fund-raising
the fourth is P2P online loan fund. This kind of proct is first purchased by the platform with its own funds, and then these sets of claims are redistributed and sold. In the first mock exam, investors can buy and redeem at any time. This is a relatively "indirect" P2P proct, which can fully disperse investors' investment and rece the risk of "stepping on thunder". However, similar to the first category above, from the practical operation point of view, investors' funds can not be completely synchronized with the fund's capital flow, and will inevitably form a capital pool
when investing in P2P network loans, we need to master the following three principles:
one is to stay away from high interest platforms. We should be cautious about platforms that offer high interest rates, because such platforms are likely to absorb investors' funds by using high interest rates as t, but they are doing things like repaying the old with the new and Ponzi schemes
Second, it depends on the customer concentration of the platform. If the platform bidding highly concentrated to a few large borrowers, investors should pay special attention, because there may be some risk of self financing
the third is to carefully read the platform's description of the borrowing object. If the description of the subject matter is vague and unclear, it is possible that the subject matter does not exist. The platform may absorb funds first and then look for loan projects. At this time, what the platform does is to pool funds. After absorbing funds, the platform is suspected of self financing and self use.
5. Although the sales counter of bank financial procts is located in the bank business hall, it is not put together with the window of ordinary savings business, that is to say, financial procts and savings business belong to different systems of banks. Therefore, unlike bank savings, financial procts may proce losses
for personal benefit, many financial proct salesmen often sell high-risk investment procts to our ignorant ordinary investors. It's ok if nothing happens to this proct, but it's tragic if something happens
then what are the routines of bank financing
routine 1
in addition to the bank's own financial procts, sometimes it also sells insurance, fund, trust and other businesses on a commission basis. There are many small partners on the set, in line with the purpose of earning income to go to the bank to buy financial procts, but the sales staff confused the concept, bought insurance
insurance does not have the concepts of deposit and interest, so it is uncertain whether the insurance premium can be obtained. And the insurance that the bank sells, basically is financing insurance, safeguard function is very small, so even if you want to buy insurance, had better not choose the bank
routine 2
sometimes the bank will sell the collection procts as spontaneous procts, and may hide the risk from the customers. Many people don't know that what they buy is not actually a bank proct. And the risk is not borne by the bank
routine 3
the annualisation mentioned in the expected rate of return introced by the salesperson is not the proportion of income that can be obtained after maturity, but the calculation and trap of income are not so simple. Income routine is endless, can only pay attention to their own point, so as not to step into the trap
most of the oral promises are routine. It's better for the sales staff to write all the promises in the contract, so that if there is a dispute, it can be regarded as a guarantee.
for personal benefit, many financial proct salesmen often sell high-risk investment procts to our ignorant ordinary investors. It's ok if nothing happens to this proct, but it's tragic if something happens
then what are the routines of bank financing
routine 1
in addition to the bank's own financial procts, sometimes it also sells insurance, fund, trust and other businesses on a commission basis. There are many small partners on the set, in line with the purpose of earning income to go to the bank to buy financial procts, but the sales staff confused the concept, bought insurance
insurance does not have the concepts of deposit and interest, so it is uncertain whether the insurance premium can be obtained. And the insurance that the bank sells, basically is financing insurance, safeguard function is very small, so even if you want to buy insurance, had better not choose the bank
routine 2
sometimes the bank will sell the collection procts as spontaneous procts, and may hide the risk from the customers. Many people don't know that what they buy is not actually a bank proct. And the risk is not borne by the bank
routine 3
the annualisation mentioned in the expected rate of return introced by the salesperson is not the proportion of income that can be obtained after maturity, but the calculation and trap of income are not so simple. Income routine is endless, can only pay attention to their own point, so as not to step into the trap
most of the oral promises are routine. It's better for the sales staff to write all the promises in the contract, so that if there is a dispute, it can be regarded as a guarantee.
6. The larger the capital pool is, the higher the risk will be.
in the first case, the flow of the investment inlet pipe is too large, and the pool is full of water. In this case, the platform will lose money and will not work long. The reason is very simple. The money in the pool has a cost. It can only go in and out, and there is no interest margin. If you take any money to pay the investor's interest, after a long time, you can only use the investor's principal to repay the investor's interest, and borrow the new to repay the old. This is a Ponzi scheme
in the second case, let's continue with the first case. All of a sudden, there's so much money coming. What should we do? We can only increase the flow of the lending outlet. There are two valves on the outlet pipe of the loan, one is called find project, the other is called risk control. In this case, it is often the case that the two valves are put together and the money is lent out. However, it is difficult to say whether it can flow back e to the relaxation of risk control. It is dangerous
in the third case, the flow rate of the outlet pipe becomes larger. Maybe some friends will ask, how can you mention everything when so many people save it? Don't be careless. This kind of situation is possible. A black swan incident, a negative news, and a platform failure may all lead to this kind of situation. This is a run. For example, after a treasure renting incident last year, not only this platform, but also many users of other platforms are crazily withdrawing cash. If it is a fund pool, it may have been mentioned until it is closed
the fourth situation is the most extreme. The platform closes the outlet pipe of the loan, opens the small pipe of profit raising to the maximum, withdraws all the money in the pool and leaves. There's no need to explain this. It's just running
the above four situations are the main risks of the fund pool - poor management, risk out of control, run and run. So the most important thing is not to engage in fund pooling, which is also being regulated by the state at present!
in the first case, the flow of the investment inlet pipe is too large, and the pool is full of water. In this case, the platform will lose money and will not work long. The reason is very simple. The money in the pool has a cost. It can only go in and out, and there is no interest margin. If you take any money to pay the investor's interest, after a long time, you can only use the investor's principal to repay the investor's interest, and borrow the new to repay the old. This is a Ponzi scheme
in the second case, let's continue with the first case. All of a sudden, there's so much money coming. What should we do? We can only increase the flow of the lending outlet. There are two valves on the outlet pipe of the loan, one is called find project, the other is called risk control. In this case, it is often the case that the two valves are put together and the money is lent out. However, it is difficult to say whether it can flow back e to the relaxation of risk control. It is dangerous
in the third case, the flow rate of the outlet pipe becomes larger. Maybe some friends will ask, how can you mention everything when so many people save it? Don't be careless. This kind of situation is possible. A black swan incident, a negative news, and a platform failure may all lead to this kind of situation. This is a run. For example, after a treasure renting incident last year, not only this platform, but also many users of other platforms are crazily withdrawing cash. If it is a fund pool, it may have been mentioned until it is closed
the fourth situation is the most extreme. The platform closes the outlet pipe of the loan, opens the small pipe of profit raising to the maximum, withdraws all the money in the pool and leaves. There's no need to explain this. It's just running
the above four situations are the main risks of the fund pool - poor management, risk out of control, run and run. So the most important thing is not to engage in fund pooling, which is also being regulated by the state at present!
7. Financial management is divided into many kinds, such as stocks, funds, foreign exchange, futures, spot, and so on. As for stocks, I suggest you don't take them in. Recently, the stock market has been in a bear market. The fund is good, but the short-term fund will not yield. It is a long-term process, and the risk is difficult to assess. Foreign exchange, affected by the international market, is also difficult to control the risk. In addition, the amount of funds needed for foreign exchange is relatively large, so it is difficult to short. There are many similarities between the remaining futures and the spot. They are all t + 0 transactions, with unlimited number of transactions per day. However, futures need a large amount of capital, and the leverage ratio is 1:100 or higher. Remember, if the capital ratio exceeds 1:10, the risk is quite large. Now let's talk about the spot funds. The ratio of spot funds is 1:5, which is also t + 0 transactions. There are no limit to the number of transactions every day. There are white and night markets, which are easy to operate. The national free account opening can be done on the day of account opening. The funds are managed by a third party, which can be operated by itself or by our professional operators. This is suitable for small and medium-sized funds, It can lock in profits and losses in time, and the handling charge is also very low
I started to speculate in stocks in 2008. It was OK at that time. After graation, the stock market was in a downturn and there were too many people being covered. So I gave up the stock market and chose the spot stock. Up to now, I have accumulated a lot of experience ring this period. Welcome to exchange
I started to speculate in stocks in 2008. It was OK at that time. After graation, the stock market was in a downturn and there were too many people being covered. So I gave up the stock market and chose the spot stock. Up to now, I have accumulated a lot of experience ring this period. Welcome to exchange
8. As long as no one complains, nothing will happen
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