跑路等问题让整个行业风险与收益并存

2016-08-02 13:12 [汽车] 来源于：未知

导读：对于平台的资金流向是否合乎监管要求，是否不存在资金池情况，如果要甄别清楚，主要看平台是否实现了第三方资金存管，或者银行资金存管。以银象网为例，银象网在成立之初即与第三方支付平台汇潮支付及浙商银行建立了合作，实行平台全资金托管模式。也即意

对于平台的资金流向是否合乎监管要求，是否不存在资金池情况，如果要甄别清楚，主要看平台是否实现了第三方资金存管，或者银行资金存管。

以银象网为例，银象网在成立之初即与第三方支付平台汇潮支付及浙商银行建立了合作，实行平台全资金托管模式。也即意味着，无论在固定收益类产品、基金产品还是其他交易产品中，银象网都仅作为信息中介，平台本身与用户资金是完全隔离的。

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最后看营销方式

许多问题平台知道自己的运营模式是不合规的，刻意加大宣传力度，在营销方式上大做文章，企图“网一兜”就跑，在线下门店开展推介、销售业务、高息、本金保障是他们惯用的宣传套路。

显然，选择那些有开展线下门店招揽业务的平台无疑会存在很大风险，银象网摒弃这些野蛮的获客方式，认为平台的用户的体验和认可才是吸引投资人的长期而又稳定的根基。

（编辑：小中）