What you need to know before investing in a P2P platform

Answer]: First, we should pay attention to the security of financial products. When choosing a product, don't be carried away by the high rate of return, you should put safety first, and the income should be second.

Second, before choosing a wealth management product, you must be familiar with the platform. It is necessary to read the product manual carefully to find out the term of the product, the direction of investment, etc. In this way, we can ensure the safety of the funds buried in the reed to the greatest extent.

If necessary, you can use a small amount of money to experience the operability of the platform beforehand.

Third, whether the subject information is complete. A qualified subject matter should contain at least basic information such as title, description, purpose of loan, total loan amount, repayment method, annual interest rate, loan term, bidding period, etc.

The more detailed and transparent the information, the more trustworthy the subject will be.

Fourth, look at the soft power of the investment platform. Any investment is risky, so how to manage assets is equivalent to what kind of basket you put your eggs in. That is, on the premise that the conditions of this target are very in line with themselves in all aspects, it is necessary to see whether the platform is a powerful platform and whether it can take certain risks.

There are many P2P platforms on the market now, such as Easy Loan, Yu Yu Bao, Lufax and the like.

Like the current interest rate of Yu'e Bao, the current interest rate is too low, and it cannot achieve the role of financial management at all, it seems that it is easy to borrow not only the annual interest rate, but also to withdraw in advance, and the annual interest rate of early withdrawal, while the yield of other P2P platforms is generally about 5% 8%, and the easy loan will be higher in terms of income.

In terms of security, Easy Loan adopts third-party custody of funds, and your money is not in Easy Loan to form a capital pool, and you don't have to worry about fund management; Moreover, the parent company of Easy Loan, Kaiyuan Finance, is a listed company or a wholly-owned enterprise that owns the highest Hilton Hotel in Chinese mainland. As we all know, for the Internet finance industry, the background of the investor is the decisive factor to ensure the safety of investment.

So to sum up, compared with other financial management platforms, easy loan is more suitable for people who consider income, security and flexibility, from the use of several platforms, or easy loan operation is simpler and more comfortable, you can go and see.

There is so much hand typing, can you give one?

When choosing a P2P lending platform, in addition to the superficial things such as fund custody and platform background, we should pay more attention to the substantive investigation, and under the premise of transparency, pay attention to the investigation of people, the investigation of the project and the security of the platform system.

1. Transparency is the main premise.

The so-called transparency, first, information disclosure should be sufficient, second, questioning should be allowed, and third, no falsification.

2. Whether people are reliable or not is fundamental.

Finance is a business based on trust, and if people have problems, it's all over. A**, no matter how good the packaging is, it is still harmful. A chef, no matter how hard he puts his heart, can't do the work of finance.

In reality, we see that there are many platforms, not even people with banking backgrounds, just imagine that there are still people to invest in this kind of platform, there are only two situations: first, the wool goes; Second, if you are greedy for high returns, gamble.

3. The quality of the project reflects the degree of professionalism.

The so-called project is the borrowing project where everyone's money is invested. For example, the loan of a real estate company, the loan of a manufacturing company, etc. The quality of the project directly determines the size of the risk.

4. The security of the platform is the foundation.

The so-called platform security is the stability, efficiency and data security of the mobile phone software used.

Through the above points, it can help you screen out relatively qualified platforms for you to invest in.

P2P is not allowed to do offline, and P2P platforms are generally long-term cooperation with fixed companies, which is better for investors and P2P companies.

Advantages of P2P::

1. Low investment threshold: generally 50 yuan for investment, small and medium-income investors can participate;

2. High yield: the annualized rate of return is about 8%-16%;

3. Flexible investment period: flexible and regular 1-12 months free allocation;

4. Flexible interest payment: monthly interest payment, repayment of principal at maturity, equal principal and interest, etc.;

5. Strict risk control: strict review of small loan companies, rating and scoring of credit reporting companies, bank fund custody, risk reserves, and insurance company underwriting.

A significant advantage of P2P wealth management is that it has a low threshold and high returns, and many platforms can start to invest, and the annualized return is higher than that of traditional bank wealth management. P2P has the attributes of the Internet, you can invest anytime and anywhere, it is easy to operate, and savvy investors will naturally choose better investment channels, so P2P financial management is popular.

It's convenient, the bills, the benefits are good, and the risk is small.

The only deficiency is the choice of platform, and choosing a regular platform is the most important.

50 yuan can be financed, and the cycle is short, are a few months of the target, the income is reasonable, these are more attractive benefits.

First, the threshold for capital contribution is low.

Second, the rate of return is high.

3. There is no need for very professional financial knowledge.

Fourth, save time and be suitable for amateur operation.

Fifth, the liquidity is relatively good.

Teach you financial management, a better quality of life Qianbao can make money with the money spent.

The main thing is that the threshold is low, the return is still good, and the security of the formal platform is still guaranteed, although there will be some problems, but today's industry is gradually in the process of standardization, and the platform is becoming more and more standardized, so this is still relatively promising with the industry. This year, there are many platforms to invest in, such as large platforms like Lufax, 100 gold loans, etc., and the security is relatively high.

The short answer is that it is highly profitable, convenient and flexible.