CIC Morgan P2P financial management 3 pitfalls, have you encountered them?

The first is "high interest", which is obviously beyond the normal rate of return of financial management, and is generally unreliable. Guo Yuhang, CEO of Dianrong.com, believes that generally speaking, the average rate of return of standardized P2P platforms is generally below 10%, of which the average rate of return of high-quality P2P platforms is about 5% to 7%. One of the most basic business logics is that the return on P2P investment = the borrower's rate of return - the cost of the P2P platform, so the income of the P2P platform comes from the income of the borrower in the final analysis.

Most of the high-quality borrowers come from the financial leasing industry, but the annualized rate of return is between 13% and 16%. At present, the yield of the financial leasing industry is generally concentrated between 8% and 12%, which obviously violates financial logic. Guo Yuhang said.

The second is the crazy advertising investment, regardless of the cost of the propaganda offensive, generally unreliable. Experts believe that sky-high advertising costs often mean misappropriation of customer funds. There are also some P2P platforms that rent office space in high-end office buildings, with a daily rent of more than 10 yuan per square meter, while the operating costs of the general P2P platform account for 3% to 3%, and it is difficult to achieve sustainable development if it deviates significantly from this level.

The third is the unrestrained demand for funds, which often means Pon's **. Experts point out that P2P is just an information platform, and its value lies in breaking the information asymmetry between investors and borrowers, and the essence is to finance projects. The increase in physical projects is limited, which means that the funds financed for the projects are also limited.

If a P2P platform is forever hungry for funds, it is very likely that a steady stream of latecomers will be needed to pay for the former, that is, Ponzi **.

Isn't the first pit CIC Morgan? Counterfeiting, demolition, fraud. Everything is suspected of a little bit, and it's over and it's a lot of false propaganda, uh. It feels like revealing too much.

Mutual Win Finance answers for you.

First, the advantages of P2P financial management are high.

Because of the high interest rate of online loans, the return of investors after investing funds will be higher than the income of investing in bank wealth management products. The fundamental reason is that the bank has set up many fees such as management fees, custody fees, handling fees and other fees in the whole investment process, which reflects the truth that the wool comes out of the sheep, and the final income of investors will be quietly divided up because of these complicated fees. The fees of P2P wealth management are much lower than those of banks, and the final rate of return of investors will be higher than that of banks.

Second, the advantage of P2P financial management is that the entry threshold is low, and some even have no threshold.

This low threshold means that investors do not need a lot of themselves to be able to invest and manage on P2P**, and there are no excessive credit review procedures, compared with bank wealth management products, the advantages of P2P wealth management can be low price and close to the people.

Third, the advantage of P2P wealth management is that the liquidity of funds is strong.

Most of the bank's wealth management products are medium and long-term wealth management projects from one year, while P2P has a variety of maturities for investors to choose from, among which typical short-term products have short term, strong capital liquidity and high capital flexibility, which can meet the needs of investors for short-term investment.