The difference between bank wealth management and P2P wealth management

These two points can be considered:

1. Security, bank wealth management products are higher than P2P

Second, the profitability of P2P is higher than that of bank wealth management products.

Focus on your own risk rating, and financial management is mainly safe and sound.

Geometry Finance].

1. Different issuers.

Bank wealth management products are mainly based on the bank's own products, and banks will also **some**, insurance, or other bond products. Among them, the bank issues its own wealth management products, the main body is the bank itself, and the main body of the issuance is some ** companies, and the main body of insurance product issuance is the insurance company.

The P2P platform does not have a clear issuer, and the P2P platform is only an intermediary agency, which provides a matching platform for borrowers and investors, so the main structure of the project is relatively extensive, mainly based on enterprises, and there are also some individuals, and even some platforms will split a project into multiple targets.

2. The benefits are different.

At present, according to the different risks, the return of bank wealth management products is about 3% to 8%, the return of bank wealth management products with high security and low risk is about 4% to 6%, and the return of bank wealth management products with slightly higher risk is about 8% to 10%.

The income of P2P platform wealth management products is relatively high, and the minimum return of many P2P wealth management products is currently above 6%. Normal P2P platforms have returns between 8% and 15%, while some high-risk platforms can even earn more than 20%.

3. The risks are different.

The risk of P2P platform is much higher than that of bank wealth management products, for example, since July, P2P platform has frequently exploded, and some tens of billions of platforms have fallen, which is not unusual.

Compared with P2P platforms, the security of bank wealth management products is much higher, although after the new regulations on asset management come out this year, bank wealth management products cannot guarantee principal and interest.

However, judging from the performance of the current bank wealth management products, the security is still relatively high, of course, the premise is that you can not covet too high returns, if the annualized return is more than 6%, the risk of bank wealth management products is relatively high.

4. The custody method of funds is different.

At present, the wealth management products issued by the banks themselves, as well as the wealth management products such as insurance and other financial products, their funds will be entrusted to special bank accounts, and banks or other financial institutions cannot dispose of these wealth management funds.

The P2P platform fund custody is currently chaotic, and many platform customers' funds are entered into the platform's own accounts, even if some platforms cooperate with banks for capital supervision.

However, this kind of supervision is only supervision rather than custody, and the platform can still dispose of the user's funds by itself, and many platforms will form a capital pool, which causes many platforms to embezzle users' funds, create false projects, and transfer users' funds.

5. The intensity of supervision is different.

Bank wealth management products are subject to strict supervision by the China Insurance Regulatory Commission, and the slightest violation will result in a huge fine.

However, the supervision of P2P platforms is still lagging behind, and the relevant regulatory authorities cannot monitor the flow of funds of many platforms, so there are often many platforms running away.

Investment threshold: P2P wealth management vs bank wealth management.

The minimum purchase amount of bank wealth management products is high, most of them require 50,000 yuan and above, while P2P is very low, with the minimum investment amount ranging from 1 100 yuan, which is relatively more popular and sought after by small wealth management users.

Annualized rate of return: P2P wealth management vs bank wealth management.

According to data calculations, in the first half of 2017, the annualized rate of return of bank wealth management products was, while the income of P2P platforms was relatively much higher, with the lowest annualized rate of return of about 8%, and some mainstream platforms could be around 8-14%. From the point of view of yield, P2P wealth management is indeed better than bank wealth management.

Convenience: P2P wealth management vs bank management.

For the first time in bank finance, investors need to bring their ID cards to the bank counter for processing, while most P2P wealth management can be completely handled online as long as it is online. In this regard, P2P wealth management is more convenient and time-saving than bank finance.

Project transparency: Transparent P2P online lending and general bank financial management.

When many banks promote various wealth management products, in fact, most of them do not know the use of funds, how the income is linked to, the dangers of the goods, etc., the wealth management managers sell in confusion, and the customers buy in confusion. However, the demander of P2P online loan funds informs the loan purpose and project information, and the funder can independently identify and select the online loan project, so that it is clear and clear.

Mortgage guarantee: P2P financial management mode, bank financial management.

Bank wealth management is actually a kind of credit loan lent by investors to banks, and there are no risk compensation measures and means other than bank credit. P2P generally has the borrower's full-value assets or high-quality claims as collateral (pledge), and performs mortgage registration procedures, and at the same time introduces a third-party guarantee company to fulfill the overdue repayment obligation, which has a certain degree of protection.

Liquidity: P2P wealth management vs bank wealth management.

Bank wealth management generally settles principal and interest together after the maturity of the product, which leads to a great discount in the liquidity of funds, while the P2P wealth management model adopts a variety of methods such as one-time repayment of principal and interest, interest first and principal after principal (monthly interest payment, principal repayment at maturity), equal principal and interest, equal principal and interest, etc., which reduces financial risk to a certain extent and also meets the daily liquidity needs.

Handling fee: P2P wealth management vs bank management.

Bank wealth management requires a variety of items such as handling fees, custody fees, and management fees, which virtually carves up a large amount of income for wealth management investors. The charging content of the P2P platform is more simple and clear, usually only a small amount of deposit and withdrawal fees and service fees are charged, and some channels even do not charge withdrawal fees.

Security: P2P security can be controlled, and bank wealth management seems to be safe, but in fact, the security is not transparent.

Now, the CBRC has also allowed banks to go bankrupt, which shows that even banks are not 100% reliable. We don't know what the bank is doing with the investor's money, so the bank seems to be safe, but in fact there is a certain danger. For P2P, most people will definitely say that it is not safe, fraud and running away are frequent, in fact, the risk of P2P can also be controlled.

The difference between P Tup wealth management and bank wealth management is that they belong to different industries, different platforms, and the security measures and risk control measures they take are actually different, the security is different, the risk is different, and the interest rate is not the same.

The difference is significant. First of all, the minimum investment of bank wealth management products is 50,000, while P2P online loan wealth management generally has no restrictions. Secondly, bank wealth management has to go to the bank business hall to handle it, which is very troublesome, while P2P financial management is done online, which is very convenient.

Third, the rate of return of P2P wealth management is higher than that of bank wealth management. Of course, P2P financial management also has disadvantages, that is, the risk is high, and newcomers are recommended to invest in which network to test the waters, because the risk of this platform is relatively low.