Who is the biggest beneficiary of P2P financial management?

Personally, I think it's an investor.

For any kind of investment and financial management, the most important thing for investors is the principal, in fact, to see the income and experience. So what news and hints are the increasingly strict legal regulations bringing to investors?

1.The state requires the P2P platform to complete the fund depository with the bank.

Positive: The P2P platform's own funds are isolated from investors' funds, and each investment behavior of the user needs to be initiated by the user, and the bank will transfer funds in accordance with the instructions, so as to eliminate the risk of the platform running away.

Negative: The P2P platform will pay the bank a certain service fee, to put it bluntly, the bank cannot be allowed to work in vain. Under the premise of increasing the security of the platform, the operating costs will increase, so the income of practitioners and the interest rate of investors will be appropriately reduced.

2.The state requires that the specific amount of P2P should be mainly small.

Positive: Return to the original duty of Internet finance, control risks in small amounts, let more investors enjoy the fruits of inclusive finance, and become the best way to manage and allocate funds by virtue of low investment threshold, flexible term and stable returns.

Negative: Platforms that used to focus on large-scale bidding and large-amount lending are facing transformation and compliance.

3.The state allows P2P to introduce third-party institutions to guarantee and cooperate with insurance business.

Positive: Further improve security, third-party guarantees, insurance company protection, investors' funds are safer.

Negative: Small platforms are launched quickly, and platforms without strength cannot afford this cost.

4.Approved the joint regulation of P2P by 17 ministries and commissions led by the People's Bank of China.

Positive: Investors are no longer alone, the central bank takes the lead, and the China Banking Regulatory Commission, the Ministry of Public Security, etc. protect the safety of investors.

Negative: None. 5.The central bank continues to cut the reserve requirement ratio and interest rates, and the era of low interest rates is more suitable for the development of the P2P industry.

Positive: Banks are more willing to serve large enterprises, small and medium-sized enterprises are turned away, there was no online loan P2P before, or can only go to the abyss of private usury, but as the industry gradually matures, borrowers can not only make money faster and cheaper on the P2P platform, but also provide high-quality targets for financial customers.

Negative: P2P interest rates also change with the trend of market interest rates, borrowers' repayment pressure is reduced, and investors' safety is increased, but wealth management interest rates may fall.

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

1. In the P2P industry, there are a variety of P2P financial platforms, some of which have an annualized return of 24%, and there are many P2P platforms with an annualized return of more than 20%. Although this kind of annualized rate of return is tempting, it is also relatively risky.

Second, the income of some P2P wealth management platforms is relatively low, and their annualized returns do not exceed 10%, and even some P2P wealth management platforms have an annualized return of only about 6%. Some people feel that the P2P platform with lower income is also more secure, and out of this psychology, they will also choose such a platform for financial management.

3. In fact, it is not good for the income of P2P financial management to be too high or too low. P2P wealth management itself is from the private P2P wealth management, such a financial management method to compete with the traditional financial management methods, the inevitable income is higher than the traditional bank wealth management products. However, if the income of P2P wealth management is too high, the platform is willing to be suspicious, so the return of P2P wealth management is generally more reasonable at about 10% 18%.

The return is generally higher than that of the deposit bank, and the annualized return is generally about 10% to 20%, which is too high or unreliable or very risky. Just remember the saying that benefits are proportional to risks. Choose P2B or P2P to choose the platform.

The annual investment amount of the large platform is 2-3 billion. Like the Fortune Tree, these have a strong financial backing. So you can try it with a proper cast.

Don't invest in other small plates, they must be used as capital pools.

Investment is risky, and there are many uncertainties and risks in the investment market, so the wealth management products we buy are all risky, but the risk level is high and low. Wealth management products are mainly exposed to redemption risks, policy risks, man-made risks and force majeure risks. In addition, force majeure factors such as natural disasters and wars may also seriously affect the normal operation of wealth management products.

When it comes to financial management, many people think that financial management is money to make money, such as buying a house, buying **, ** tickets, etc. In fact, these belong to the category of financial management, but financial management in the strict sense is actually called wealth management, that is, scientific and reasonable planning of current and future resources, do a good job in family financial planning, and make a scientific diagnosis of family finances when managing finances, and prevent and control risks.

It refers to the lending between individuals, while P2P financial management refers to the use of companies as intermediaries to connect the borrowers and borrowers to achieve their respective lending needs. The borrower can be unsecured or secured. The intermediary is generally a new type of financial management model that charges a handling fee from both parties or a single party for the purpose of profit or earns a certain interest rate difference for the purpose of profit.

There are many P2P wealth management companies in the market, and the products are not different, and the rate of return is also different. I have now chosen the first light year, and the annualized interest rate is 10 15

Investment and wealth management refers to the management and distribution of the assets of individuals, families, enterprises and institutions by investors through reasonable arrangement of funds, the use of investment and financial tools such as savings, bank wealth management products, bonds, commodity spot, foreign exchange, real estate, insurance, P2P, culture and artworks, so as to achieve the purpose of maintaining and increasing the value of assets.

Wealth management is a Chinese term that refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance.

P2P financial management is currently China's more popular Internet financial management method, with high returns, flexible ways and other characteristics, but because the relevant industry laws and regulations are not perfect, resulting in many investors in the early stage of the capital suffered huge losses, in general, P2P financial management has the following financial risks:

1.The borrower's repayment risk, the borrower's failure to repay the money in time, is generally borne by the company.

2.In the event of default, the company will also bear the guarantee and payment delivery.

3.The risk of the liquidity of the lender's funds, this is your own responsibility, you have to take it for half a year after doing it, and you default on it.

4.Credit risk, the company will bear.

5.Policy risks, generally the state will not intervene, as long as there is no illegality, and even if the state intervenes, it will be slowly regulated, and it will not be killed with a stick.

6.The risk of force majeure, the occurrence of large-scale natural disasters, or war, is very small, and one or two local companies can afford it.

According to the current form of strict supervision, the P2P financial situation in 2017 will definitely be better. It should be said that the big platform will not change too much, but it is difficult to say that there will not be a small and medium-sized platform that will become a dark horse to stand out. For example, many investors call it a small platform that is small and beautiful and has strict risk control.

I think that the platform with collateral for borrowing will have better development prospects.

P2P is an abbreviation for peer-to-peer, that is, person-to-person, also known as peer-to-peer online lending. P2P connects people directly and allows people to interact directly through the internet. It makes communication on the network easier, more direct sharing and interaction, truly eliminates middlemen, and provides greater convenience for enterprises and individuals.

At present, there are a lot of financial management that have run away, so if it is not an extremely well-known safe financial product, or do not participate, after all, it is your own hard-earned money, no matter how careful it is always right, do not forget that we just want to earn a little interest, and some financial products are staring at our capital.

P2P is an abbreviation for Person-to-Person, which means person-to-person. Also known as peer-to-peer network lending, it is a private micro-lending model that gathers small amounts of funds to lend to people with capital needs [6], which refers to lending between individuals, while P2P financial management refers to using companies as intermediaries to connect the borrowers and borrowers to achieve their respective lending needs. The borrower can be unsecured or secured.

The intermediary is generally a new type of financial management model that charges a two-party or unilateral handling fee for the purpose of profit or earns a certain interest rate difference for the purpose of profit. There are many P2P wealth management companies in the Beijing 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. At the same time, when choosing a P2P company, we must move around more, investigate more, and choose a company with formal qualifications, large scale and good reputation to handle business, so as to ensure the safety of investors' funds.

Choosing P2P wealth management products with real estate collateral is relatively less risky.

Industry experts pointed out that the P2C model is an extension and upgrade of the traditional P2P, which can help small and micro enterprises quickly and safely obtain financing, and provide an investment and financial platform for the public. Relying on the strategic cooperation of the financing guarantee company, for the enterprise to do the field pre-loan review, qualification review, business flow review, business capacity and financial statements audit, etc., in the post-loan supervision can also be basically done on the spot, every month to inspect the use of funds and business operation, operating conditions, to the greatest extent to ensure the normal operation and repayment ability of the enterprise, so as to ensure the safety of investors' funds. The counter-guarantee measures of love investment will mortgage loans, equity, and accounts receivable to the guarantee company, and there will be stronger counter-guarantee measures relative to the bank, and the guarantee company is equivalent to adding a layer of full interest guarantee to isolate the risk, which is to ensure the safety of investors to the greatest extent.

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., lenders) to achieve direct lending.