I have been engaged in the sales of financial products for more than three or four years, and I have seen customers encounter all kinds of pyramid schemes, P2P, virtual currency, and all kinds of scams.
I have a certain understanding of investment logic, so I write this article to popularize science for everyone
In my mind, there are three kinds of logic for making money in financial products:
1. Lending Law
2. Spread method
3. Bocai/spinach
Lending Law
Such products are simple and commonly found in banks, trusts, asset management projects, etc
Banks absorb the public's savings and then start lending to all kinds of high-quality customers;
In terms of trust, take a real estate trust project that I have conducted due diligence before as an example (as shown below):
Now the real estate company has completely become a financial company, I don't believe you look at the executives of the major real estate companies, are proficient in finance, Sunac wants to develop the project of Wuhan Huangjiahu plot, and then because the credit in the bank has been saturated, through the trust company to borrow money from the high-net-worth customers in the society, with the project land as collateral, in case the money is not paid, you can deal with the project land stop loss.
Through these two cases, it is not difficult for us to find that the risk points in this category are who the money is lent to, when will the money be repaid, and what if the money is not repaid?
Spread method
The performance of this method of profit in the secondary market/stock market is to buy low and sell high, so as to obtain the spread income;
A typical example in the primary/equity market is Masayoshi Son's investment in Alibaba (pictured below):
Investing in Ali when he was still fledgling or even just starting out, and when he became a towering tree, Son's earnings even exceeded the market value of his own company, SoftBank.
Often, after the listing of the equity investment company in which the individual investor participates, he will choose to sell the shares he holds to obtain the price difference gain.
spinach
In fact, the author prefers to interpret this model with small and broad, just like insurance, whether it is car insurance or serious illness, although the probability of insurance is relatively low, but I will still buy a car insurance/critical illness insurance.
By the way, talking about the meaning of insurance, there may be people around who are very disgusted with insurance companies, after all, everyone is still disgusted with the marketing model of insurance sales. Personally, I think it makes sense about this industry: young people who have just come out of society are not people who are useless to this society, they still have labor, and they still have consumption. It is often the elderly/people with physical problems who need the big net of insurance to cover them. To maintain social harmony, one of the top five companies in developed countries by market value must be an insurance company, which is a revelation brought by a more developed society than ours
About various virtual currencies
When all kinds of virtual currencies suddenly sprung up, I said that they are all scammers, don't believe it.
More than 2,200 years ago, the first thing Qin Shi Huang did after unifying the whole country was to write the same text, the same train and the same track, and unify the currency. Even in the United States, which is ahead of us N years in the financial industry, NBA Nets basketball player Dinwiddie called on the league to replace the dollar with bitcoin, and the league did not even look at it. I also don't think there will be another currency to challenge the status of the RMB domestically, so there is no point in hyping these currencies.
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