Peer-to-peer financial management refers to the lending between individuals, and refers to the platform as an intermediary to connect these borrowers and lenders to realize their respective lending needs. The borrower can be an unsecured loan or a secured loan. Investors invest in borrowers through platforms, and intermediaries are generally a new financial management model that collects fees from both parties or unilaterally or earns a certain interest margin for profit.

A fund means that you give money to a fund management company or buy it through a third-party platform such as Shikai Fortune, and then the fund manager of the fund management company takes your money to invest, such as buying stocks and bonds. The risk of funds is greater than bank deposits and less than stocks. The income of the fund is also uncertain, which is mainly determined by the investment level of the fund manager and the market situation. There are thousands of different styles of funds, depending on your needs.