The central bank lowered the reserve requirement ratio, and the yield rate of P2P online loans has also dropped. However, this is not the major factor affecting investors' income, but the platform handling fees that are usually ignored by everyone.

The handling fees currently charged by platforms mainly include "investment service fees", "loan management fees", "debt transfer fees", "overdue fees", etc., and many platforms have several fees.

Take "investment service fee" as an example. Investment service fee is the fee charged by the platform to investors, which usually includes VIP annual fee, identity authentication fee, recharge fee, income management fee, withdrawal fee, etc. Each platform has different charging items and proportions, charging 0~10% revenue management fee;

PPmoney charges an annual VIP fee of 180 yuan/year, 10% revenue management fee, There is a handling fee of 3 yuan/transaction, and part of the fund custody fee; the amount collected by Yilong Loan includes 0.3% recharge fee, 5% wealth management fee, 10 yuan certification fee and withdrawal fee.

In the current market, P2P is not regulated by the State Securities Regulatory Commission. If you check the news, you will know that there are many people running away. In addition, the current market conditions are unstable and the risks are high. Stick to the original intention of investment and financial management, and when choosing an investment platform and When purchasing products, you should make comprehensive and rational choices based on your own investment experience and asset status, learn more about investment strategies, and avoid relying solely on the rate of return and simply linking the rate of return to safety. In the end, you will suffer the bitter consequences of investment failure.

General platforms are formal and secure. It is recommended that you go to the website of the China Securities Regulatory Commission (China Securities Regulatory Commission is a ministerial-level institution directly under the State Council. In accordance with laws, regulations and authorization from the State Council, it uniformly supervises and manages securities and futures nationwide. market, maintain the order of the securities and futures markets, and ensure their legal operation). You can find it on any formal financial platform in China.

How to operate: Open the China Securities Regulatory Commission website and select the regulatory agency. You can find it in the directory. If not, you have to be careful. Investment is risky and pay attention to the safety of your funds. It is recommended to consider investing in funds! I hope it helps you, and I hope you will adopt it!