The telemarketing of the former funding platform has recently been strictly controlled and hidden.
The charging standard of stock financing depends largely on the scenario in which you are doing it.
For example, in traditional offline, if customer funds are relatively large, then the salesperson will definitely pull you to talk about interest. Generally, the interest rate is monthly, and some have annual interest. For one month, it is about 2-4%.
I think offline allocation of funds has a lot in common with brokerage financing:
1. Proceed to the counter and sign the agreement
2. Leverage multiples Relatively low, generally up to 3-5 times.
3. Monthly interest rate
But in fact, there are not many customers doing offline funding. According to peers, they basically rely on For referrals and individual customers, they don't do much publicity. The main reason is also very simple. One is the big environmental risk, and the other is that offline funding is to eat local customers, and there are not many places to promote it.
It’s easy to understand why there are not many people doing it. Stocks are now very mobile. Everyone is operating on their mobile phones. After all, it’s not that you could only get a broker to look at the computer ten years ago. Time is up. It's convenient for everyone to map everything, and offline funding is really more process. Unless you have a million-dollar fund and want to be at ease and invest where you can see and touch, then you can indeed consider offline funding.
Otherwise, after you have finished the process, the market will also be finished. With online funding, there are more doorways, because I do it on the online platform myself.
First of all, online funding is definitely more convenient than offline. After you register your account with a mobile phone, you can directly recharge and open a position. But the question is, how do you choose a platform? Let me remind you that there are actually many unreliable things in the industry.
Everyone knows the virtual disk, and it is easy to understand how to distinguish it. After the transaction, you need a delivery order, and then compare it with L2.
There are also some platforms that are set of templates. You will find that many platforms look the same:
Basically it is a template website, so you often You will find that you have registered for a fundraising platform in the morning and telemarketers will call in the afternoon. Because their websites and software are outsourced, outsourcing is of course the most trouble-free way (set of templates), so what kind of privacy does your platform have technically.
Templates are still a trivial matter, at most information leakage, anyway, sooner or later. If you register, the customer service will add you to WeChat and tell you that we have a group, and the teacher will take you to make money, then you can immediately close the chat window and withdraw. This kind of platform does not earn your interest, so I don’t need to say more about this, right?
Going far, let's talk about charging. On the online funding platform, the mainstream model is based on daily interest rates, and of course there are monthly allocations. Relatively speaking, annual allocations are relatively small. But because of the tightening of policies, many platforms are afraid to collect pure interest. Probably the following three charging methods:
1. Pure interest, ranging from 20-30+.
2. The pure profit sharing is quite uneven in the industry. Let's start with 20%, and I have seen 40%.
3. Interest + profit sharing combination, this is that both are below the above data.
This is actually nothing tricky, but there is a way to talk to everyone: warehouse construction fee.
The warehouse opening fee is actually our buying handling fee at the brokerage firm. As everyone knows, the brokerage standard is about 2.5 million. But just because everyone acquiesces that the fund collection platform also receives this number and does not pay attention to it, so many peers will take action on this. I have seen a warehouse fee of RMB 49, do you dare to believe... I have seen those closer to the brokerage fee standard in the industry, so let’s count on Shangshangying.Ten thousand and 2.5, but they also have to add another ten thousand and five in the communication fee, which is quite good compared to ten thousand and 49.
Let’s stop here. Someone read me and then I’ll change it.