First of all, the overview of the two is different:

1.Overview of P2P financial management: P2P financial management is financial management through the Internet, that is, person-to-person lending, also known as peer-to-peer lending, which refers to the company as an intermediary to connect borrowers and borrowers to meet their respective lending needs. Borrowers can be unsecured loans or secured loans, and intermediaries are generally a new financial management model that collects fees from both parties or one party or earns a certain interest margin for profit.

2. Overview of Trust: Trust is an act that the trustor entrusts his property rights to the trustee based on his trust in the trustee, and the trustee manages and disposes in his own name for the benefit of the beneficiary or for a specific purpose according to the wishes of the trustor.

Second, they have different characteristics:

1, the characteristics of P2P financial management:

P2P connects people directly and allows them to interact directly through the Internet. It makes the communication on the network more simple, direct and interactive, truly eliminates middlemen and provides greater convenience for enterprises and individuals.

2, the characteristics of the trust:

(1) Trust is a property management system based on trust.

(2) Separation of trust property rights subject and interest subject.

(3) The trust management mode is flexible and adaptable.

(4) Trust property is independent.

(5) Property right is the premise of trust.

Third, their risk management is different:

1.Risk management of P2P financial management: See whether the platform of the selected P2P financial products is standardized, whether there is a set of perfect risk management and control technology, whether there is mortgage, whether there is a strict credit review process and whether there is a mature risk control team;

Whether there is repayment risk money, whether every creditor's right is transparent, whether bills and creditor's rights lists are mailed to customers at a fixed time every month, and so on. These are very important issues, and customers must understand them clearly when making choices.

2. Risk management of trust: Trust responsibility refers to the trustee's responsibility to the client/beneficiary to manage the property in strict accordance with the client's wishes (not his own wishes). The fiduciary responsibility means that when the trust relationship is established, the trustee shall bear the fiduciary responsibility, and shall not make his own interests conflict with his responsibilities, and shall not seek benefits as a trustee or obtain benefits from it unless the client agrees.

Trust responsibility refers to the trustee's responsibility to those who transfer assets and do not participate in management. Specifically, the guardian opposes the testator, the company manager is responsible to the company shareholders, the manager shareholders are responsible to the non-manager shareholders, and the asset management company or trust company is responsible to the investor. The fiduciary responsibility is the link between the trustee and the entrusted asset carrier and its designated assignee and/or beneficiary.

Baidu encyclopedia -P2P finance

Baidu encyclopedia-trust