Teach you how to use smart credit Yi Xin, learn P2P financial management new skills

In the most recent period, a number of money-wealth management products, including Yu-Po, continued to fall in yield, especially Yuen Po, and even had a trend of soon to fall below 4%. Continued fluctuations in earnings, let those who have been accustomed to enjoying the benefits of the first few months at 5% to 6% users feel a little uncomfortable. Therefore, more and more small wealth management investors began to favor P2P fixed income financial management, in order to add value to their wealth. Then Xiaobian will be in the following letter Yixin Loan to introduce P2P financing strategy -

Loan Loans is a service platform launched by Credit Suisse Unsecured Unsecured Network Loans and Money Management Consulting. The platform's borrowers are usually in the post-tax monthly salary of 4,000 yuan in the high-end urban white-collar workers, so have a very good repayment ability and repayment will.

The investment threshold for pleasant credit should be very low, requiring only 100 yuan users can lend to maintain the cycle of loan status, it will make the expected annualized return rate of 10% to 12%, while the lending period From 12 months to 36 months. Most importantly, the borrowing standards of the Credit Suisse Loan all adhere to the principle of open and transparent information, so investors can understand very clearly the detailed information about borrowers and the flow of funds.

However, from the operational experience point of view, relative to a variety of "treasure" category of the simple purchase process of the Monetary Fund, many P2P platform, the tender process is somewhat complicated, requiring investors to take various aspects of comprehensive consideration to make a decision to lend, which This includes not only examination of the qualifications of the borrower, but also the duration of the loan, the amount of the loan, the expected annualized rate of return, and so on. In the case of Yixin Loans, due to the very high activity of wealth management users, it is often the case that investors refresh their websites and find themselves optimistic but have not yet had time to bid and have been superseded by others.

Not only that, in order to diversify investment risk, P2P platform will generally recommend investors to invest the amount of investment diversified vote for different borrowers. The maximum bid amount for each loan subject to the investor is 20% of the total amount of the loan demand. At present, most of the loans to borrowers on the platform the amount of the majority of 50,000 yuan to 100,000 yuan, that is, in most cases, a borrower can borrow a maximum of 10,000 yuan to 20,000 yuan, if the investor's financial management The higher the amount, in order to throw a sum of money out, you may want to filter a number of loan standards.

In order to simplify the operation process, Yixin Loan provides investors with the function of intelligent bidding. Investors can choose to open the smart bidding mode on the account management page, select the creditor's term and interest rate according to their own risk appetite, and set the range of the amount of single bidding, so as to screen the matched claims intelligently by the system and quickly bid, This will save investors time on ticking and thus help investors achieve more efficient capital utilization and liquidity.

It is reported that investors should be pleasant credit should try two to three times in the initial completion of bidding, more than half of users will choose to open the smart bidding function, we can see smart bidding has become a P2P nirvana.