What are the advantages and disadvantages of P2P? What are the advantages of P2P online lending?

The concept of P2P.

P2P is an abbreviation for peer-to-peer, which means "equal", "colleague" and "partner" in English. In this way, P2P can also be understood as "partner-to-partner", or peer-to-peer. At present, it is considered to have great prospects in strengthening the communication of people on the network, the exchange of documents, and the calculation of distribution.

To put it simply, P2P directly connects people and allows people to interact directly through the internet. P2P makes communication on the web easy, more direct sharing and interaction, and truly eliminates middlemen. P2P means that people can connect directly to other users' computers and exchange files, instead of connecting to a server to browse and ** as in the past.

Another important feature of P2P is to change the current state of the Internet as the center of the Internet, return to "decentralization", and return power to users. P2P may seem new, but just as B2C and B2B are porting common things from the real world to the Internet, P2P is not new. In real life, we follow the P2P model every day, face-to-face or through ** communication and communication.

File exchange P2P technology will realize much of the potential of the Internet, moving the Internet from a file-based web page and email.

The network is transformed into a dynamic, granular network in which specific information components can be efficiently placed and shared. There will no longer be any difference between the network and the computer, everyone still remembers this slogan: the network is the computer, maybe it is the highest level of martial arts:

Heaven and man are one. The bad side:

Copyright issues. Difficult to manage, spam information, gobbling up network bandwidth.

Charity virus, standard battle.

In addition to the above drawbacks, P2P networks.

It is also a relatively fragile network: in the P2P network, the server is no longer the center of the network, but it still coordinates the work of the entire network, and the paralysis of the server will lead to the collapse of the entire network. It is not difficult to imagine that a P2P network with a large number of users will become a target for hackers, which will greatly threaten the security of P2P networks.

P2P online lending has eight advantages: 1. Information processing and risk assessment are carried out through networking; 2. The term and quantity of capital supply and demand are matched, and there is no need to directly trade through intermediaries such as banks or brokers, and the supply and demand side is directly traded; 3. The unification of the super centralized payment system and individual mobile payment; 4. The product is simple and easy to operate; 5. The operation of the financial market is completely Internet-based, and the transaction cost is very small. 6. High annual compound income The annual interest rate of deposits in ordinary banks is only 3%, and the annual interest rate of wealth management products and trust investments is generally less than 10%, which cannot be compared with the annual interest rate of more than 20% for online loan products.

7. Simple operation All the authentication, bookkeeping, clearing and delivery processes of online loans are completed through the network, and the borrower and the borrower can achieve the purpose of borrowing without leaving home, and the general amount is not high and there is no collateral. It is very convenient for both borrowers and borrowers. 8. Pioneering Thinking Online lending promotes the interaction between industry and finance, and also changes the observation vision, thinking context, credit culture and development strategy of loan companies, breaking the original lending situation.

Mutual Win Finance answers for you.

Advantages of P2P Wealth Management:

The small amount of investment meets the investment and financial management dreams of low-income individuals or families, so that more groups can also invest in P2P, and financial management is no longer the "exclusive" of the rich. Therefore, P2P is popular and rightfully so.

The P2P operation mode is carried out online, which can be carried out through the PC terminal and the mobile terminal, which is preferred by users Simple and easy to understand, there is a network.

In terms of income, the average annual return of P2P has reached 8%-15%, and this annualized return is the most popular among the current wealth management products. Now that prices are rising faster than bank interest rates, traditional financial management methods have been unable to keep up with the increase in the cost of living, and P2P high-yield financial management methods have become a major advantage in the market.

P2P financial management is different**, **, you don't need to know anything about the financial industry, even if you have no concept of financial products, as long as you spend a little time, you can understand the industry. As long as the relevant information provided by the platform is used, risk identification can be carried out.

Disadvantages of P2P Money:

In terms of risk: At present, P2P is in the rectification period, and the regulatory rules have not been fully implemented, and there are certain risks, such as self-financing and running away.

There are many problems in the industry: since P2P entered China, the rapid development speed has left many problems. Especially during the remediation period, the operational pressure and cost lead to increased platform compliance pressure, which will also lead to many problems in the industry.

Opaque information: Due to the lack of information disclosure on P2P platforms, it is difficult for users to distinguish the security of the platform from the only information available. Therefore, P2P financial management must be cautious, and understand the platform information through multiple channels and aspects.

To sum up, P2P has advantages and disadvantages, but we must know that the development of a new thing will always be accompanied by some problems, which is a development trend. Mutual Win Finance believes that P2P is a sunrise industry, as long as we control the risks, establish a sense of capital security, and invest prudently, we can also realize our financial dreams.

I hope that if you want to invest in P2P, you will be able to hold your heart, this is not what you want his interest He wants your principal, it's so simple Investing in P2P is definitely a novice, P2P-related so-called regulation, news, policies, platform parties, projects, income, APP** volume, APP praise, these are all false The essential problem with this game is that the investment risk is much higher than the investment income In addition, of course, very few platforms are really cautious about lending, but many borrowers are purely trying to find ways to make money from the P2P platform, making a living from this, it has never changed for ten years Please pay attention to investment novices P2P specializes in harvesting investment whites

The first bai, the exclusion of banks from small and medium-sized businesses and low-income individuals, is welcome. Second, interest rate optimization. The cost of loans made by DAO with the help of P2P platforms is much lower.

At the same time, the lender's return on investment is higher than the bank savings interest rate. Third, it's simple and fast. By replacing traditional banks' approval processes with standardized internet processes, borrowers can get the funds they need faster.

Fourth, support innovation. Fifth, the efficiency of the allocation of financial resources has been greatly improved. The P2P platform practices the long-tail theory, which realizes the independent and optimal allocation of financial resources with sufficient information and competitive pricing.

The P2P platform, which realizes the transformation of the business model with the help of Internet technology, has incomparable advantages over traditional banks.

Of course, P2P platforms also have advantages and disadvantages. First of all, there is the risk of bad debts. The P2P platform is aimed at low-end customers with low credit scores, and once the rules are out of balance, the credit threshold will be lowered as much as possible out of market competition considerations, triggering a new subprime mortgage crisis. Secondly, capital risk.

Fixed annual income of 18%, investment amount is not limited, principal and interest guaranteed.

First, relative to other products.

Bai products are relatively safe. P2P is risky.

Guarantee gold machine zhi system, overdue compensation, DAO guarantee agency protection version and so on, there is the right to national legal protection, generally reliable companies will also have senior senior lawyers to serve the whole process Third, low threshold, investment of 50 yuan starts, real contracts, do not eat interest rate differentials, high annual income fourth, more convenient, can be redeemed at any time, exclusive 1-to-1 customer service, support credit card recharge Of course, there are differences between various platforms, you can go to the platform to understand.

Make financial management more affordable. The threshold for investment channels is lower, and the income is higher than that of bank deposits and some wealth management products.

It has promoted the marketization of interest rates. P2P will save people from private loan sharks, in the open and transparent online lending platform, people with credit can get lower interest rewards, and people with funds are also willing to lend to customers with high credit under the premise of controlling risks, which promotes the interest rate level to be regulated by supply and demand, and realizes the marketization of interest rates.