Guarantee companies generally help others make money. Ordinary loan costs are not much. For example, if people are in a hurry for money, banks can make money first without lending money, and the general interest rate is relatively high. ~!

2. What profit methods can financial investment companies have?

The way financial companies make money is "business model", which is simply understood as "making money model", that is, how to make money and how to make profits.

Insurance: life insurance company and property insurance company.

1, predetermined profit rate:

(1) When pricing products, insurance actuaries mainly consider three factors: risk loss rate, operating expense rate and predetermined profit rate; For example, if an insurance product is priced at 100 yuan, then usually the risk loss cost accounts for 75, the operating expenses cost accounts for 20, and the profit is 5 yuan; If the actual accident situation is basically consistent with the scheduled situation, then the insurance company will make a steady profit in these five dollars. (2) If the actual risk frequency and loss degree exceed the assumptions of actuarial model, then the risk loss cost will definitely exceed that of 75 yuan, possibly reaching 90 yuan. At this time, the insurance will lose 10 yuan instead of 5 yuan's profit. Therefore, when natural disasters occur frequently, insurance companies will lose money or even lose money!

2. Investment income: customers spend 100 yuan on insurance products, so customers usually go out of danger after a period of time, such as half a year. In the past six months, insurance companies have used the 100 yuan paid by customers to make investment returns, such as 2 yuan's profits, to make up for the losses in the event of major disasters. Therefore, investment ability is very important for the operating ability of insurance companies! Is the main source of profits.

The profit model of insurance companies: borrowing chickens to lay eggs-eggs to lay chickens-chickens to lay eggs.

1, underwriting profit (life value theory, law of large numbers): the actual death toll is less than the expected death toll; Spread: the actual interest rate is lower than the predetermined interest rate; Cost variance: the actual cost is lower than the predetermined cost rate; Surplus: surrender, claim settlement, policy invalidation and other actual conditions. Below the predetermined situation;

2. Investment-profit insurance funds (insurance asset management companies, with many channels for fund operation 13) are the most significant; 3. The snowball-like cash flow effect formed by the renewal premium, and the company's value keeps accumulating.

Second, banks.

1, deposit-loan difference: deposit-loan interest rate difference, which is the main profit source of banks; The broad masses of people deposit a fixed interest rate of 3% a year, and the interest rate of bank loans to enterprises or other individuals may be 5%-6%. There is a 2% interest rate difference in the middle. Don't underestimate this 2%. If the capital scale is 654.38+00 billion, then the profit is 2 billion! (Of course, in the past, indiscriminate loans caused those who couldn't get their money back to become bad debts, so there will also be losses. )

2. Intermediary business: generally refers to the sales of various wealth management products, insurance, funds, etc. , including the collection of public facilities. This also constitutes a relatively important profit for banks. Banks have a great advantage in doing intermediary business, that is, everyone thinks banks are more credible!

Bank profit model

1, deposit and loan spread income;

2. Return on investment: investment in various securities (bonds);

3. Income from intermediary business: IPO, collection, payment on behalf of others and consignment.

Third, securities mainly refer to those brokers. Everyone who is familiar with stock trading must first open an account in a securities company. In fact, the broker is the agent of the stock exchange.

Two sources of profit:

1, brokerage business: in addition to the national stamp duty, you have to pay brokerage commission, that is, brokerage commission; All brokers can apply for commission discount. The more money they have, the more discounts they can apply for. Usually you can get a low charge of one thousandth, which makes you feel confident. The lowest brokerage firm can reach 0.5%, of course, it is cheaper to have a monthly subscription.

2. Self-operated business: Only brokers with self-operated qualifications can conduct self-operated business, that is, they can buy and sell stocks and funds with their own funds. This is a big profit for brokers in the bull market. Of course, underwriting business (helping enterprises issue stocks) is also a profit channel. Profit model of securities companies (brokerage business, investment banking business, asset management business)

1, securities trading commission;

2. Sales of financial products (bank wealth management products, self-operated wealth management products, insurance, trusts, funds, etc.). );

3. Securities sponsorship and underwriting;

4. Consultation and service.

Fourthly, the profit model of futures companies.

1. Handling fee income (including exchange commission rebate)

2. Deposit interest income: When the customer funds of the futures company are large, the bank pays the futures company interest higher than the demand deposit, because the futures company will not put all the customer funds into the exchange.

3. Other non-futures financial investments such as securities, bonds and funds with its own funds.

4. Industrial investment: Futures companies can invest in industries as long as they are not prohibited by the competent authorities.

5 futures training income, such as investment lectures, published materials and books. 6. Revenue from research and development of futures-related technologies, such as revenue from sales and trading related software. Trust companies can develop their own application software. The profit model contracts projects, raises funds, collects handling fees, cooperates with banks and trusts, and returns the principal to earn interest margins; Management fee, trust reward, channel fee, investment income, excess income, product consumption and distribution fee, etc. ; As an intermediary platform, trust companies provide funds for fundraisers and provide fund management services for fundraisers (investors are clients). Trust companies can not only meet the financing needs of financiers, but also meet the investment and financial needs of investors. The profit model of the trust company is realized by the difference in the rate of return negotiated by both parties. This price difference also includes certain management fees, sales expenses and stamp duty. By issuing trust products, the trust company will withdraw 2-4% management fee every year as long as the trust products are established, regardless of whether the project makes money or not. For trust and investment companies, this fee will be charged, mainly to use the current advantages to create income.

1, business function monopoly advantage. The independent function of trust property is the so-called bankruptcy isolation function, which is a prerequisite for implementing asset securitization business, and trust and investment companies can use this function to engage in businesses that other companies cannot carry out.

2. Trust and investment companies are the only financial institutions that can make direct investments. Trust and investment companies can set foot in the financial market and industrial market at the same time, which is incomparable to all other institutions, so trust and investment companies can actively choose suitable projects for direct investment. Because trust and investment companies have their own financing ability, their comparative advantage is the ability to raise funds, so trust and investment companies should choose capital-intensive industries for equity investment in the form of equity participation, especially in monopoly industries.

3. The business it is engaged in has strong innovation potential. Trust and investment companies can use a variety of financial instruments, such as direct investment, loans, leasing, guarantees and so on. In this way, trust and investment companies can flexibly design project operation plans according to customers' needs to meet customers' personalized requirements. The business of providing only one financial instrument may also be provided by other financial institutions, but if multiple financial instruments are to be used in combination, other financial institutions cannot provide them due to qualification restrictions.

Third, how to make money by borrowing 6.5438+0.5 million yuan from the bank?

Bank money

1. Investment and financial management: Investing in financial products such as stocks, bonds and funds to obtain higher returns.

2. Developing real estate: Developing real estate is a way of getting higher income, and you can get higher income by buying and selling land and buildings.

Three ways to make money can get higher returns through investment and development.

4. Investing in foreign exchange: Investing in foreign exchange is also a way to make money, and you can get higher returns by buying and selling foreign exchange.

5. Investing in gold: Gold investment is also a kind of gold, and the income obtained is higher.

Four, a few friends want to set up a credit company, how to cooperate with the bank? Position yourself as an intermediary?

Joining the lending platform is the best way.

What is a lending platform? Simply put, borrowers apply for loans from banks through the platform, and banks issue loans to users recommended by the platform.

The lending platform is a simple intermediary, which only helps banks get customers and does not participate in other links. The income of the lending platform mainly comes from the service fee charged by the bank to the loan customer after lending, or the bank returns the commission to the platform according to a certain proportion of the loan amount. In practice, the lending platform basically collects at both ends and eats at both ends.

The lending platform is mainly aimed at personal consumption loans, mortgage loans and micro-enterprise credit loans, because the number of these two types of customers is too large, and it is difficult to obtain customers only by relying on the banks themselves, and the coverage is narrow.

Then why do you suggest joining instead of setting it up yourself?

Let's take a look at several well-known lending platforms in China:

Kingdee and UFIDA are ERP software providers; Aerospace Information and Baiwang are electronic invoice platforms; Weizhong tax bank is an interactive platform for banking and taxation; Customers such as cloud provide ordering and cash register systems for restaurants and supermarkets; Hemudu has B2B e-commerce transaction data.

It can be clearly seen that these platforms all have a common feature: they have mastered a large number of business data of small and micro enterprises.

Compared with the companies in the above table, the topic says that several friends have formed a company in partnership. Without the potential customer resources of a large number of individuals and small and micro enterprises that banks need, there is no bargaining chip. How easy is it to cooperate with big banks?

Therefore, it is more pragmatic to join the big platform, and the lending platform will give you a part as an agency fee after receiving the commission from the bank. You just need to get customers. On the one hand, you earn the agency fee of the loan platform, on the other hand, you appropriately charge the handling fee of the loan customer.

Here's another model: you pay the deposit, bear the risk of non-performing loans, promise to cover the bottom, and then obtain bank funds through corresponding channels. You are responsible for customer acquisition, risk control review, collection and bad handling. This mode of cooperation has appeared many times in the past few years, and it was also secretly popular for a period of time, mainly for some small-scale commercial banks, but this mode is actually illegal, and the scope of business cooperation with third-party platforms is clearly required by the regulatory authorities. Supervision is getting stricter and stricter, and now this model has basically disappeared.

In short, joining a legal and compliant lending platform is not only conducive to revitalizing bank funds, but also conducive to solving the financing difficulties of individuals and small and micro enterprises in society. It is a move that benefits the country and the people. Several friends register a company in partnership and join the lending platform without a lot of investment. As long as they do a good job in business promotion, with the accumulation of more and more customers, the income is also considerable.