P2P financial management refers to the use of the company as an intermediary to connect the borrowers and lenders to achieve their respective borrowing needs. The borrower can be an unsecured loan or a secured loan. The intermediary generally collects the fees from both parties or unilateral parties for profit purposes, or a new type of financial management model that earns a certain interest margin for profit. At present, there are many P2P wealth management companies, the products are not different, and the profit rate is not the same. It is recommended that investors can choose a suitable product for their products when they choose products. At the same time, when choosing a P2P company, we must move more, investigate more, choose a company with formal qualifications, a larger scale, and a reputable company to handle the business, so as to protect the safety of investors' funds. The risk of choosing a real estate mortgage P2P wealth management product is relatively small. The following small series for everyone to analyze the advantages and disadvantages of P2P financial management.
Advantages of P2P financial management: high income threshold is low
P2P financial management is so attractive, but it has caused many people to stagnate because of its high income and high risk coexistence.
From the perspective of revenue, the P2P platform can provide higher interest rate differentiated products, and the high-yield + principal protection plan has strong appeal to ordinary investors. According to statistics, the current P2P platform provides a return on investment of 8% to 20%. The better companies in the industry have Lujin, Caiyuanbao, and loans, which are much higher than bank wealth management products and currencies. The yield of funds and trusts.
The product threshold of the P2P platform is very low. Compared with the purchase amount of tens of thousands of bank wealth management products, the threshold of the P2P platform is as low as 50. This aspect is due to the popularity of the Internet, online payment and transaction technology mature; on the other hand, the cost of online financial transactions is lower, the cost of P2P credit companies' investment is lower, and the threshold for entry of an investor is also lower. low. In addition, the P2P platform currently provides different levels of the principal protection plan through the reserve fund, and introduces guarantee institutions or collateral to protect it.
P2P financial disadvantages: the risk of regulatory loss is large
On the other hand, there are many incidents of redemption risk and platform failure in private P2P enterprises, which has caused investors to worry about the risk of P2P lending. Between 2011 and 2014, many P2P platforms were closed or run, mainly due to poor operation or suspected fraud.
Others, P2P financial risk mainly comes from external policy and regulatory risks, borrower credit risk, and P2P company's credit and operational risks.
In short, the current prospects of the P2P industry are still relatively optimistic, which is a good way for most investors to obtain high returns, but investors must be cautious.