With the development of the financial market, the stock allotment comes into being: in the stock market, the holders of funds and the demanders of funds are combined through a certain mode, and a new financing method of stock allotment is gradually formed. Today, Bian Xiao will share with you the meaning of stock matching, for your reference only!

What is stock distribution? Stock matching is actually borrowing money for stock trading, which is essentially a kind of private lending. Just like some stock matching companies advertised: "I pay, you stock, and the profits are yours!" "

But there is no such thing as a free lunch. This money didn't come for nothing. You have to pay the corresponding fees. We know that many securities companies have margin financing and securities lending business, and they can also borrow money for stock trading. What is the difference between stock matching and securities company margin financing and securities lending? Securities companies have strict restrictions on financing stock trading, such as the time to open an account and the capital requirements (> 500,000 yuan), and the restrictions on investing in stocks. For specific differences, please read:

Characteristics of stock allocation

1. Rights issue is a kind of financing. Customers can obtain certain funds through stock matching, but the funds can only be used for stock trading and cannot be used for other purposes.

2. Stock matching is a kind of borrowing. The trader borrows funds from the funder and pays a certain interest as the use fee of the funds.

3. Rights issue is a lever. You can speculate more with less margin. The stock allocation operation is about 5 times of funds, and the margin 1 times amplifies the income and risk of stock trading.

Advantages of stock matching

1, high loan amount, 1- 10 times leverage! No mortgage, no guarantee!

2. You don't need to bear liquidated damages, just increase or decrease positions when necessary to share risks!

3, the bull market expands profits, the bear market shares costs, and reduces positions in time!

4. Free loan time and no repayment pressure! Calculate interest on a monthly basis, lend money on a monthly basis, and pay it back when you borrow it!

5. Both parties monitor accounts to maximize the risk of being locked up!

6. Investors operate accounts and banks access funds to ensure the safety of funds!

Stock allocation risk

Capital allocation is a good tool, which can shorten the time of wealth accumulation, improve the speed, and also pay attention to preventing risks.

Fund-raising contract is a private lending relationship and a contract between people based on trust between people. Therefore, the first thing to guard against is moral hazard, and the authenticity and operational strength of the fund-raising company are investigated in many aspects. If it is online fund-raising, it is impossible to go to the company for a field trip, so be more careful. You can check whether there is a clear correspondence between the company name and the website through your eyes, and whether the record number at the bottom of the website is true.

Trading risk:

Risk 1: transaction costs increase. To do stock matching, you have to pay a certain fee to the stock matching company. Some companies call it interest, while others call it management fee. In short, after the stock is allocated, it will increase some transaction costs. If the shareholders' own skills are not up to standard, they can only become "workers" of the rights issue company in the end, and the money they earn every month is only enough to pay interest.

Risk 2: the transaction risk increases. Stock matching transaction is a kind of leverage operation, which not only enlarges the profit, but also enlarges the trading risk. Therefore, not all investors are suitable for stock matching transactions. Traders need to have rich trading experience and strong risk tolerance, and their stop-loss ability is stronger than the original capital operation ability.

Risk 3: There are some restrictions on the scope of investment. Most stock matching companies only allow traders to trade Shanghai and Shenzhen A shares, and restrict traders from trading new shares and other varieties with large fluctuations and high trading risks, which will have a certain impact on the operation of some traders. There are also some stock matching companies that have requirements for positions, which will have a certain impact on stock matching companies.

In short, the tool of stock matching can quickly increase the income if it is used well, and the loss may double if it is not operated well. Investors should choose carefully and guard against risks.

Misunderstanding of financing

One: The signer of the contract is an individual, not a company.

Customers often ask this question: Why did you sign the contract with me in my own name, not the company? To put it simply, in fact, the contract signed by capital allocation belongs to a kind of private lending. As a private lending behavior, it is legal and effective and protected by law. Lending between individuals has always existed and is not illegal. Please refer to the Legal Provisions on Private Lending for the legal provisions on private lending.

Two: the temptation of high proportion of leverage

When the capital allocation ratio of 1: 10 is common in this industry, more radical companies put forward this staggering high ratio of 1: 100. If the customer makes a profit, that's fine, but if the market environment is not good and the account is forced to stop by the wind controller, then the customer's funds may be wiped out. Any kind of investment is not a gambling tool. Similarly, capital allocation is not for you to operate with this mentality, so this gambler-style capital allocation is absolutely not desirable.

Three: the comprehensive management fee is paid at the time of signing the contract, not at the end of the month.

In the agreements of some fund-raising companies, there are also instructions on when to pay the share-raising fees, but many share-raising people still think that the comprehensive management fees will be paid at the end of the month. In fact, this idea is wrong, because formal stock financing companies will have a systematic accounting process. When the funds are handed over to the stock fundraiser, the accounts need to be settled in a unified way. If the stock allocation is backward, it is impossible to guarantee the normal operation of the accounting department of the financial and risk control manager. Therefore, friends who invest in shares should remember that the comprehensive management fee is paid when signing the contract.

Four: The contract fee is hidden.

There are two main ways to charge service providers for standardized stock allocation, one is the monthly management fee, and the other is the fee spread. However, some fund-raising companies will charge other fees besides these two items, and they are all hidden in less conspicuous clauses in the contract. Therefore, when you do capital allocation, you must carefully look at it one by one and clarify the responsibilities and obligations of both parties. It is not too late to operate again.

Matters needing attention in fundraising

It is important to check whether the company is formal. You can check the details of the company through 1 14 to see if the company is registered in the local industrial and commercial bureau or check it on the spot.

Before capital allocation, please confirm whether the contract terms comply with industry laws. You can take it to the local law firm for verification, and then sign it after confirming that the fund-raising contract conforms to the operating procedures.

Stock matching is a financing loan provided by the stock matching company at the ratio of 1-2-5 times according to the amount of funds in the shareholder's account. It is unsecured and unsecured, and does not need to bear liquidated damages.

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