Here we use some operating accounts on the Internet to answer this question:

Internet financial profit model one: recommendation fee

Internet financial companies can ask financial Institutions recommend loan customers and charge corresponding recommendation fees. This part of the profit source needs to be supported by the platform's careful matching. This model requires a huge database to organize and analyze information on different loan customers. In this way, financial institutions avoid the high cost of discovering customers and can focus more on their core business.

Internet finance profit model two: handling fees

This type of income is the income from matching transactions and handling fees. Currently, when users apply for loans, Internet financial companies help users complete the entire loan process. After the loan is approved, a corresponding proportion of the loan amount will be charged as commission. If you switch to a P2P online lending platform, different platforms charge different fees to borrowers, which is an important source of income for pure platforms. For payment companies, handling fees are naturally the main means of profit.

Internet finance profit model three: advertising fees

This is well known to traditional Internet companies, that is, the advertising fees invested by financial institutions on Internet financial websites. Advertisements on financial websites are very accurate for those netizens who actively log in to these websites and can achieve better results. At the same time, advertisers can also be charged for advertising positions on Internet financial websites to obtain revenue.

Internet finance profit model four: pricing fee

The pricing fee here refers to risk pricing. Provide fee-based services to financial institutions for customer credit assessment, or assist financial institutions in pricing risks. Mining and analyzing user behavior data and then selling it to corresponding financial institutions. Ye Daqing, co-founder and CEO of Rong360, pointed out that risk pricing is not a new concept. The core of banks is to price risks, but they do not do it well enough. Many small and medium-sized enterprises that cannot get loans actually have very good qualifications. Internet financial companies Through the Internet and financial vertical search to solve the problem of information asymmetry, this part will become an important source of income in the future.

Internet finance profit model five: management fees

Management fee income is the focus of many financial companies. Let’s take a look at the fees of Yu’E Bao Monetary Fund Tianhong Zenglibao. Yu'E Bao's profit model is divided into several parts: Yu'E Bao's own income is 0.63 of the profit capital. Part of it, 0.08, is handed over to the custodian bank, which we do not consider. The second part is Alipay’s sales service fee, 0.25; the third part is Tianhong Fund’s management fee, 0.3.

By the way, I would like to remind you that you must understand the corresponding disclosure information before making an investment. You can search it on the Internet Finance Association?