What are the P2B wealth management platforms?

The characteristic of wealth management products is the coexistence of risk and return! In fact, any investment is risky, and even the simplest bank deposit has the risk of not being able to beat the price**, resulting in negative interest rates! Personally, I think:

Part of the risk comes from the financial product you choose, and the greater part comes from your understanding of the product.

Now the best financial management in the bank: short cycle (you can see income on the same day), high yield (5% of the monthly guaranteed income), low threshold (the minimum of more than 600 can be done), Pudong Development Bank, Minsheng Bank, Ping An Bank, Postal Bank can do, log in to the online banking to open the **** financial management business, but you enter our service number when you open, we provide you with the best information, I have been doing this for more than five years, and the monthly guaranteed income is 5%! Want to do this well:

**Trend analysis and judgment, mentality and very low fees are the most critical, I started doing this in 09!

Recently, **** has fallen a lot, and now it is at a low level**, it can be said that it is slowly bottoming out, so now is an excellent time to buy, buy and hold it, you can also get 2/10,000 of the deferred fee every day, which is equivalent to a thousandths of a rate of return a day, a month is (this income alone is more than ten times higher than bank time deposits), waiting for ** to go up, sell **, you can also earn the difference, double income, so this is a good time to start! Hope.

Golden Ticket Pass, Gold and Silver Cat are both.

P2F is the abbreviation of Person-to-Financial Institution, which is a financing model for individuals to financial institutions, and 87 Huicai is the pioneer of the P2F model in China. At present, there have been more than 100 issues of Shuangrongbao discovered by the agency, and basically the platform is still relatively reliable.

P2F security is not good, not as good as A2P mode of e-rent.

Suisui Loan is also a platform that only does financial institutions.

As far as I know, only 87 Huicai is doing P2F at the moment

E-renting treasure is good, a2p, and the security is better.

Happy Family is also P2F.

P2P stands for peer to peer, which means "person-to-person", and is a form of person-to-person borrowing. Generally, the P2P online lending platform acts as an intermediary, the borrower publishes the borrowing demand on the platform, the investor borrows from the borrower through investment, the borrower repays the principal and interest when due, and the investor collects the principal and obtains the income when due.

P2B stands for Person to Business, which is a form of borrowing from individuals to (non-financial institutions) businesses. Enterprises publish their needs for borrowing and financing on the platform, and investors with idle funds and investment intentions invest in the borrowing enterprises, and when they expire, the enterprises repay the principal and interest, and the investors receive the principal and interest.

P2C is a form of personal to company, and it is also a form of borrowing from individuals to enterprises and companies, which is roughly the same as P2B, the main difference is that P2C is mainly for small and medium-sized enterprises, and there is no restriction on whether it is a financial institution.

The main differences between P2P and P2B are as follows:

1. The borrower is different.

The borrowers on the P2P platform are mainly individuals, but there are also some businesses.

The borrowers on the P2B platform are all businesses.

2. The credit mortgage method is different.

P2P platforms mainly rely on the credit status of individuals, such as salary income, credit records, asset status, etc.

The borrowers of the P2B platform are all enterprises, have collateral, and can provide goods or assets as collateral.

3. Different risk control.

The main risk control method of the P2P platform is to diversify investment, the amount of each borrowing project will not be too large, and the platform will limit the investment ceiling of investors for each borrowing project, and encourage investors to diversify their investments to reduce risks.

The P2B platform uses the collateral of goods or assets provided by the borrower as a way to control risks, and if the enterprise defaults, the platform can dispose of the collateral and sell it to reduce the loss of the platform's advance.

P2P and P2B platforms have different principles of risk control and different uncertainties, so it is not certain which risk control method is safer.

At present, the domestic online loan industry is still developing, and the platform model will also change with the development of the industry. Therefore, whether it is a P2P, P2B, or P2C platform, investors should be cautious when investing. Online lending is risky, and investors need to be cautious.

P2C Wealth Management:

It is another new concept of e-commerce after B2B, B2C and C2C. In China, it is called: life service platform. Conduct qualification review and on-site inspection of creditor's rights transfer enterprises, and screen out high-quality creditor's rights projects with investment value and disclose them to investors on the platform.

It is a personal loan, and then through some online platform financing, at present, this kind of financial management is more, and the risk of default is larger, and even many loan projects are fabricated by the platform, from the hands of investors to raise funds and finally run away abounds, so this kind of financial management should be cautious.

There is no such financial management. At present, there is P2P financial management, which means that the platform relies on individual borrowers to lend funds to other individuals, the contributor charges interest, the platform charges a handling fee, and the lender repays the interest and principal on a monthly basis.

P2B wealth management is an online investment and financing platform, in which the interest rate of private lending is much lower than that of private loans, and the funds needed for the development of enterprises in the short and medium term are borrowed. The P2B platform is responsible for reviewing the authenticity of the borrower's financing information, the validity of the collateral, assessing the borrowing risk, and ensuring that the repayment risk is minimized by withdrawing the repayment margin from the borrowed funds.

The P2B platform only acts as a pure investment and financing intermediary, only charging a certain platform service fee, and neither financing nor lending itself.

The full name of P2B is an Internet investment and financing service platform, which is different from a micro-financial service model of P2P network financing platform. P2B stands for Person-to-Business, a person-to-business lending model. The number of online lending platforms has grown rapidly in China in the past two years, and there are about 350 active ones so far.

The full name of P2B is a P2B network loan financing platform, which is different from a new model of P2P network financing platform. P2B stands for Person-to-Business, a person-to-business lending model. p2b

The P2B online financing platform is an online lending platform that is only used as an intermediary model, and investors who have spare money can find suitable investment targets on the platform, which can well solve the problem of difficult corporate financing. As a financing company, you can publish financing information on the platform. The platform is responsible for reviewing the authenticity and risk of the information of the financing enterprise, but as a pure intermediary, it does not finance or lend.

Comparison of P2P P2B wealth management with other wealth management products.

Investment products. Doorsill.

Term. Annualized rate of return.

Inferior position. p2b/p2p

50 thousand. 3-12 months.

Agreed earnings, 8 12%.

A good product can guarantee returns, and a bad product may be more risky.

Bank wealth management products.

RMB) ranges from 5,000 to 10,000 yuan, and most banks have some other requirements and restrictions for buyers. A financial plan with guaranteed income requires more than 50,000 yuan.

7 days 1 year mostly.

The agreed income generally does not exceed 7%, and if the income is not agreed, the profit and loss will fluctuate greatly.

The return of the product with the agreed income is generally not more than 7%, and the investment period is longer (2-3 years).

**。From 1000 yuan, regular investment from 200 yuan.

There is no fixed investment period.

There is no fixed expected return.

The rate of return is not guaranteed and depends on the management level of the city's orange farm** and ** manager.

Brokerage collective wealth management.

From 50,000 or 100,000.

There is no fixed term for the investment of the consortium.

There is no fixed expected return.

The rate of return is not guaranteed and depends on the market** and the level of management of the brokerage.

Insurance and wealth management products.

Unlimited thresholds.

Long-term investment, more than 5-10 years.

Generally, it is close to the bank fixed deposit interest.

The investment period is more than 5-10 years, and the actual return may be lower after the maturity is adjusted for inflation.

P2B (person-to-business), online financial managementWith today's Internet channels, financial managers can selectively lend idle funds to high-quality borrowing enterprises approved by financing guarantee companies through the platform. The platform is responsible for conducting a second review of the borrower's credit background and repayment ability.

Difference between P2B and P2P:

1.The mode is different.

P2P is a person-to-person model;

P2B is a person-to-business model.

2.Borrowers are different.

P2P borrowers: personal borrowers are the majority;

P2B borrowers: SME borrowings.

3.It's different when it comes to credit.

P2P: Relying on the credit status of a single individual, such as salary income, personal credit history, etc.;

P2B: The financier is the enterprise and the guarantor conducts due diligence.

4.Risk control measures are different.

P2P: Risk control is guaranteed by the platform itself;

P2B: Full principal and interest guarantee through a strong third-party guarantee agency (the guarantee capacity is billions or tens of billions of guarantee institutions).

P2B financial management (person-to-business) refers to a loan model of individuals to (non-financial institutions) enterprises, and the P2B Internet financial platform itself does not issue loans, nor does it finance any enterprise, it only makes a fair judgment on the small and medium-sized enterprises that need to invest through a series of surveys and evaluations, and thus determines whether the enterprise can be placed on its own platform for transactions.

P2B wealth management refers to a financial information intermediary company established in accordance with the 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.

Although the state has recently been more strict in reviewing the entire industry, it is still necessary for everyone to be alert to risks and diversify investments.

1.First of all, figure out what P2C is, and check whether the company you want to go to is pure P2C financial management, and whether there are private equity projects such as interspersed **, real estate projects, etc. The risk factors for the latter and the former are different.

That's all for now