How to do a good job in P2P financial management for individuals, and how to manage P2P money for or

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1. Keep learning.

If you are new to the investment and wealth management platform, then you must continue to learn at the beginning, this kind of learning not only includes the relevant knowledge of financial management, but also should have an in-depth understanding of the background of some investment and financial management platforms. As the saying goes, the more you learn, the safer your wealth will be.

2. Customize goals.

Investment and financial management is a long-term process, if only the pursuit of short-term benefits, many people take risks to choose some high-risk projects. The higher the return, the higher the risk. For friends who are new to investment and financial management, it is best to set a small goal in the early stage, and then set a big goal for yourself when your investment and financial knowledge is constantly enriched and you can grasp the skills of how to manage money, but the most important thing is that you must set a goal for yourself in the early stage.

3. Choose your platform carefully.

There are many P2P financial platforms on the Internet, but remember not to choose blindly. Because once you choose carefully, you may not be able to recover your principal.

Fourth, decentralized operation.

Everyone should have heard the saying that you can't put all your eggs in one basket. When doing investment and financial management, you can choose a few more powerful platforms, in case there is a risk problem on the platform, your principal will not suffer a big loss.

Fifth, step by step.

Even if you have a lot of money to spare, don't invest it all at once. You can put a small part to the platform first, operate for a period of time, and see how the income is, which is also an inspection of the platform.

For ordinary investors, it is recommended to choose a P2P platform that guarantees principal and returns, and the platform will cover the risks. In this way, there is no need to delve into the borrower and the target of the project, and the investment choice is simplified to one step: just choose a good platform.

1.Look at the earnings. If the annual income exceeds 20%, it is excluded.

On the one hand, the borrower's willingness to pay the cost of borrowing is so high that it shows that he has fallen into serious financial difficulties and the likelihood of default has greatly increased. On the other hand, many unscrupulous platforms will attract investors through high returns, and the risk of such platforms running away is very high.

2. Understand the basic information. Who is the founder of the platform? What is the basic paid-in registered capital? To whom is the money lent? Who reviews the borrower's creditworthiness and more? Can I find out where the funds are going?

Of course, as ordinary investors, it may be difficult for us to distinguish the truth of this information, but a platform that can clearly list this information can be regarded as a good platform, which is the basis for choosing a good platform.

Most of the platforms are short-term targets for 1-3 months, and they may take advantage of the psychology of new users to invest again to increase the amount after the first small successful payment, and may run away as soon as possible in order to quickly collect funds.

There are also nominal returns that are higher, but there are various fees such as recharge fees, withdrawal fees, management fees, etc., or the waiting time for interest and payment is too long, which reduces the actual income of investors, and excludes.

On the one hand, the P2P industry is incentivized by competition, and these inferior P2Ps will be swept away by the waves even if they have no fraudulent intentions in the first place; On the other hand, investment and financial peace of mind are very important, but if the user is not satisfied and uncomfortable, he can not rest assured, it is better to give up investment.

1. For investors, that is, those with financial needs, they can find suitable investment partners among all those who need to borrow, according to the annual rate of return and credit rating provided by the borrower.

2. For borrowers, the first thing to do is to find the corresponding platform to publish their own loan information, and at the same time, they must have the corresponding certificate and credit certificate, and there will also be P2P platforms that will require the borrower to provide mortgage proof.

3. For the P2P investment and wealth management platform, the P2P investment and wealth management company should evaluate the borrower according to the borrower's information, such as identity information, educational background, work background, income level, bank credit and other relevant certificates, and divide them into different levels of credit level from high to low.