Is P2P investment safe? Has anyone been doing this?

I've been researching and examining this piece as well, why?

The money is stored in the bank for a fixed period of one year, and the interest rate is low, and it is more troublesome, going back and forth to the bank, taking the number, queuing, and waiting.

The banking process is too complicated, you have to consider your transportation and time to get to the bank, and you may queue up late. Not enough to save time.

Nowadays, a lot of P2P runaways are very scary, and anyone who recommends one, you go to check it to see if there is any negative information, and even if there is no information, it is even more terrifying. Then don't vote for this.

In addition, find a larger platform, such as Ali or JD.com, Pacific, Ping An, which you have heard of, of course, the small platform has done well, you have to look at the annual interest rate of the small platform.

If the annual interest rate is more than 9%, you should pay attention, it is too high. If you pay attention to Yue Bao, you will find that the normal one-year investment return interest rate should be between 4% and 6%, which is normal during this period, unless your amount exceeds 300,000 yuan, and you will be given an annual interest rate of 6%-10%.

Finally, it is emphasized that it depends on the transparency of funds, you can ignore the big platform, and you don't know what the use of people's funds is when you invest money in the small platform, and if you can't get it back, you will lose a lot, and all kinds of non-recognized currencies, maybe someone will let you invest in Mars coins, space coins, and even Galaxy Universe coins, which are directly foolish and unrealistic.

Platform, fund transparency, speed of transfer in and out, security and security instructions, this is a must see, it is recommended to start not to do small platforms, but to see more big platforms: Yu Bao, Tencent, NetEase, Jingdong, ** There are financial management in this. Are you afraid that you won't be able to run away?

Right, just looking for a big platform.

I remember that I can add my friends to study and research together, learn investment together, and I also inquired about the experience summarized for more than 1 month, and consulted my company's finance and friends.

The above pure hand-played, learn and communicate together, remember me.

To invest in a wealth management product, the risks and returns are the first issues we need to consider. For the risks and returns of wealth management products, we must analyze them objectively. In the current financial products, the product itself does not let us see what risks exist, so we need to spend time on our own research and analysis.

In wealth management products, the higher the risk, the higher the return, and we usually pay more attention to the return and ignore the risk. This is also a financial investment practice that needs to be paid attention to.

Answer]: P2P financial management refers to the lending between individuals, while P2P financial management refers to the use of companies as intermediaries to connect borrowers and borrowers to achieve their own lending needs. P2P financial management as an important part of the Internet finance, because of the high yield to attract many investors in the P2P industry yield has also begun to decline, some mainstream platforms have embarked on the road of interest rate cuts, according to the China Report Hall statistics, the comprehensive rate of return of online lending platforms has fallen, down by half from the previous two years.

However, a reporter from Beijing Business Daily noticed that in the process of continuous interest rate cuts on the platform, some newly established platforms or problem platforms often have a high yield of 20%.

Ultra-high yields often mean high risk, and at the same time, it is also likely to be a bait for some unregulated platforms to defraud money. Guoxiang Capital, which was just taken away by the Shenzhen Economic Investigation Brigade for investigation some time ago, is a high-yield platform. A reporter from Beijing Business Daily noticed that among the loan bids on the homepage of Guoxiang Capital, there are three targets with an annualized rate of return of more than 20%, and one target even reaches 24% with a term of 10 months and a raised capital of 1 million yuan.

However, because some executives and employees of Guoxiang Capital were taken away by the Shenzhen Economic Investigation Brigade to assist in the investigation, Guoxiang Capital also suspended the platform's business on September 9. Previously, because of the high yield of the platform, it attracted many investors to invest. Up to now, the number of investment users of Guoxiang Capital is close to 40,000, and the cumulative investment amount has reached more than 100 million yuan.