What is microfinance?
Microfinance refers to a small investment in financial management. Under normal circumstances, the funds of microfinance are between several hundred yuan and several thousand yuan. Compared with large-scale financial management, micro-financial management has less investment funds, lower risk and lower investment threshold, but the rate of return is generally low.
Suitable for people:
Generally speaking, microfinance will be more suitable for beginners who are new to financial management or some investors with less funds, such as college students and wage earners. The similarity of this kind of people is that the stock of funds is small, or the risk tolerance is low, and their hands are generally idle. Especially for novice investors, microfinance is a very recommended financing method. Novice financial management should pay more attention to the risk of investment, not the income. Microfinance can help novice investors build initial investment confidence.
What are the common types of microfinance?
Microfinance products are financial products with less investment funds. Generally speaking, the investment threshold is relatively low, mainly in the following categories:
1, demand deposit, time deposit
As long as the bank demand deposit is one yuan, the initial deposit amount of time deposit is 50 yuan, and the investment threshold is relatively low. Banks belong to a formal platform, so the safety of investment is high. However, the income is generally related to the transaction amount and investment period. If the transaction amount is small and the cycle is short, the income is generally not high.
2. Monetary Fund
Common monetary fund investment tools include Yu 'ebao and Bitong, all of which are related to the monetary fund. They are highly flexible and can be accessed at any time. The threshold is relatively low, 0.0 1 yuan can be deposited, and can also be directly used for payment and consumption.
3. National debt
National debt is a bond issued on the basis of national credit, which is basically zero risk, relatively stable income, and its threshold is also low, the lowest is only 100 yuan.
4. Reverse repurchase of government bonds
The reverse repurchase of national debt is essentially a short-term loan. Individuals borrow their own funds through the national debt repurchase market to obtain fixed interest income, and repay the principal and interest at maturity for a short period, starting from 1 000 yuan.
5. Fixed investment of the Fund
Generally, the fixed investment amount of a fund is not clear, so small funds can also be traded, which can be one hundred or several hundred, one thousand or several thousand yuan. Investors can choose to automatically deduct money at regular intervals to purchase funds.