P2P in Internet finance is rushing headlong into a hubbub now, and will be dispersed in a hubbub in the future.
In ancient times, there was a young lady who met a poor scholar and went to Beijing to take the exam to avoid the rain. Miss prepared paper and ink, and the scholar wrote a poem and found that the scholar was really talented. The young lady made a promise to herself, and the next day the young lady cried and sent the scholar to wear money. When I was a concubine in high school, the scholar swore an oath, and the young lady called the maid to remember the name of the scholar. The girl said it was 1 1 scholar. Miss said, there is no way, there must be a scholar taking the exam in order to diversify.
Playing a joke on value investment, a child took fifty cents to the melon garden to buy watermelons. The melon farmer thought that he had little money and wanted to send his children away. He pointed to a watermelon with a fist size that was not yet mature in the melon field and said that he could only buy this small watermelon for fifty cents. The child handed the money and said that he would buy this. The melon farmer is puzzled: this watermelon hasn't grown up yet. How can I eat it? The little boy said: Anyway, after paying the money, this little watermelon is mine. I'll come back for it in two months.
The essence of A-share bull market is the joint efforts of all parties in the market, and behind the funds is the collection of confidence; Why can't A shares build confidence? On the one hand, 90% of the cakes bought by investors at a "high price" were put on the table only after the kitchen was separated, but the eyes of the regulatory authorities have always stayed on the quality and fair distribution of the remaining 10% cakes, which makes people feel that the system is unfair; On the other hand, more and more people realize that your cake is too expensive as soon as they come up.
New understanding of finance ① In traditional industries, finance is money, but in the financial industry, money has become a commodity. In a word, finance is the buying and selling of money. ② New pattern of financial institutions: Traditional financial institutions are divided into five categories: banks, securities, trusts, insurance and funds. Now, we need to add two: wealth management companies and internet finance. Youxuan Wealth is a professional wealth management company.
On the two major directions of wealth management and asset management finance: wealth management and asset management. In layman's terms, financial management is a doctor in a pharmacy who takes medicine as needed; Asset management is a doctor in a pharmaceutical factory who develops and produces drugs. Many large institutions, such as banks, have wealth management business, such as consignment insurance and funds. , as well as asset management business, and issue their own products. The drugstore only sells cold medicine? Therefore, the core of wealth management lies in a rich product line. Moreover, it is impossible for a pharmaceutical factory to build its own pharmacies all over the country. Pharmaceutical companies focus on product research and development, so the core of asset management lies in investment and research ability+risk disposal ability.
The core risk handling ability of finance is also the core of finance. We must ensure that the money sold can come back, otherwise who wouldn't do such a simple business of buying and selling money? What is the core of risk management ability? Not in the book. I'll tell you quietly: it's an "inalienable right". Why are large financial institutions mostly state-owned and private financial institutions often in trouble? It is precisely because in China, where the legal environment is not yet fully sound, the political background is to realize "inalienable rights" nuclear weapons; If you are not satisfied, you can learn how Guo Shuji, the vice governor of Hubei Province and Yichang Municipal Committee, fell in the Three Gorges All-pass redemption crisis.