What are P2P financial management? What to choose?

Now I choose the Union Bank Pratt & Whitney, and I personally think it's okay.

If you need to invest in wealth management, recommend ABC wealth management products, and purchase ABC wealth management products according to your own investment preferences, risk tolerance, capital liquidity, etc., you can enter the homepage of China Merchants Bank, click "Personal Service-Investment and Wealth Management-Bank Wealth Management", and filter the product information you need according to your needs.

Since May 27, 2016, the personal online banking and palm banking channel "Kuaiyibao" has been renamed as "ABC Kuaiebao", and the contracted product has been changed to "ABC Dividend Daily Settlement A (000907)", and the contract is signed with the first business, that is, the first business is signed at the same time, and the functions of regular investment, intelligent regular investment, combination, and quick redemption are opened.

The new product supports T+0 real-time redemption, daily settlement of income, and supports the setting of automatic balance transfer, linked credit card and personal loan transfer, and the minimum value of the minimum retention amount is 100 yuan.

The counter contract is still the old "Kuaiyibao", and you need to terminate the old product before you can sign the new product "ABC Kuaiyi eBao".

How to set up the quick e-treasure business in the personal palm bank: enter the personal palm bank, select "Investment" - "ABC fast e-treasure", and click the setting icon in the upper right corner of the home page to enter the setting homepage. You can cancel the contract of "ABC Express e-Bao", change the bound mobile phone number, enable the automatic transfer in of the balance of the closed balance, and turn off the automatic transfer out.

Go to Gao Yu to invest. This platform has always been outstanding and well recognized.

After risk assessment, most of them can complete the transaction through the online banking and mobile banking channels, if you have a local China Merchants Bank, you can contact the branch wealth manager to exchange financial matters.

P2P Wealth Management.

BAI is a financial management method that has become popular in recent years, and it is a new online lending DAO model: it effectively combines online and offline, and connects it through a P2P platform.

Allow money to lend to those who need it. P2P is short for "peer to peer". The P2P platform mainly completes information matching and matches investment and financing parties.

P2P lending refers to a new financial model in which individuals lend money to other individuals or small and micro enterprises through the third-party platform of P2P companies, mainly providing small loans of 1-300,000 yuan, so that those individuals or small and micro enterprises who cannot obtain loans in traditional financial institutions can borrow the required funds. At the same time, it provides investors with an annualized rate of return of about 10%.

Will run away for the following reasons.

1 Just to roll up the money and run away.

2. Poor operation leads to the loss of funds or something.

Beginners need to pay attention to which platform they invest in P2P:

1. Check the qualification information of the platform, check whether there is ICP filing information, and check whether the registration information, such as legal representative, registered capital, business scale, registered address, etc., is true and valid.

2. Understand the interest rate of the goods released on the platform.

3. Pay attention to partners who have business relations with the platform. Observe the third-party payment company that the platform funds are connected to, and check whether the third-party payment company has a payment license. Nowadays, many platforms claim custody, but in fact, they only use three-party payment, and it is difficult to distinguish between investment borrowers.

4. Pay attention to the risk control of the platform. Whether the platform has sufficient collateral, and whether the platform's risk margin or registered capital is sufficient to resist risks.

5. Product risk control and contract standardization.

Personally, I think Internet financial management is better, it is a car loan, I think it is more reliable to invest in such a place, the interest rate is usually 12%, there is a special newcomer exclusive target set for newcomers, and the annualized interest rate is.

There are many P2P financial management platforms in the market, the products are different, and the yield is not the same, so it is recommended that investors can choose a product that suits them rationally and cautiously when choosing a product.

It will be safer and more reliable to choose a platform that is formal, has a strong background (such as the background of a listed company), has reasonable returns, has good project transparency, and has a good risk control and guarantee system.

It is very important to choose a platform, the key is to see whether the platform is reliable, and whether a platform is reliable can be judged from these 5 points: 1Whether the platform funds are held in escrow by a third party2

The business scope is whether the project is fake and empty3Is there a risk control team4Whether the income is reasonable and normal is around 8%-15%5

user satisfaction and customer service, etc.

Of course, it is risky to choose the top 100 and the bottom!

P2P wealth management is defined in the Interim Measures for the Administration of Business Activities of Online Lending Information Intermediaries (hereinafter referred to as the "Measures"), which refers to direct lending between individuals through Internet platforms. Individuals include natural persons, legal persons and other organizations. Online lending information intermediaries refer to financial information intermediary companies established in accordance with law and specializing in online lending information intermediary business activities.

This type of institution uses the Internet as the main channel to provide information collection, information publication, credit evaluation, information exchange, loan matching and other services for borrowers and lenders (i.e. investors) to achieve direct lending.