what are the advantages of P2P platform?

In p>215, the NPC and CPPCC proposed "Internet", which provided better conditions for the development of Internet finance. In 215, the NPC and CPPCC proposed "Internet", which provided better development conditions for Internet finance P2P. The rapid development of P2P platform is due to its unique advantages. Let's talk about the advantages of P2P platform.

Advantages 1. Low threshold, fast capital operation and short investment cycle

Compared with traditional investment platforms, P2P platform has great advantages in investment cycle. The average cycle of the industry is about half a year, and the cycle of large platforms is generally about one year, especially for regular wealth management products of banks, which takes two or three years, but P2P platforms are generally 1-6 months, and the cycle of 2-3 months is mostly.

advantages 2. high investment interest rate and controllable risks

usually, the annualized rate of banks is around 3%, and the highest rate of return of wealth management products of banks is around 5%, while the annualized rate of return of P2P platforms is generally between 1% and 15%. It is much higher than the bank interest rate, and it is guaranteed. Every financial income can be written into the agreement, which will not be as unpredictable as stock funds.

Advantages III. Good service level and simple operation

The user base of p>P2P platform is small, and the service can be more timely, accurate and thoughtful. However, large platform services are generally achieved through announcements or mass short messages, while P2P platforms tend to be more thoughtful and meticulous in terms of services in order to improve the user experience. In terms of operation, there is no need to study charts, terms and data that require professional skills, such as K-line. The operation is simple, and you can enjoy the benefits as long as you move the mouse.

At present, China people have more or less awareness of financial management, but the financial management method is still relatively traditional. As a new financial management method, P2P is easy to operate and has a high rate of return. It can be used as a new alternative to help people manage their finances better in the downturn of the stock market.

what is p2p mode

P2P mode refers to P2P finance, also called P2P credit, which is a kind of Internet finance (ITFIN). It means: point-to-point.

P2P finance refers to small loan transactions (generally individuals) between different network nodes, and it is necessary to help borrowers and borrowers establish loan relationships and complete relevant transaction procedures with the help of e-commerce professional network platform. Borrowers can publish loan information by themselves, including the amount, interest, repayment method and time, and decide the loan amount by themselves to realize self-service loan.

what are the advantages and disadvantages of p>P2P peer-to-peer lending platform?

P2P Peer-to-peerlending (1% principal guarantee) (maximum annual conversion rate of 2%) (minimum 5 yuan start)

Peer-to-peer lending, or peer-to-peer credit, refers to a new business operation mode in which social entities lend their funds to lenders by using the network platform of intermediaries. It is the result of the development of private lending from "offline" to "online", and it is the embodiment of citizens exercising their own property rights. The growing development of network technology, the limitation of formal financing channels, the deconstruction of acquaintance society, the increasing inflation rate, the restriction of investment methods and the continuous improvement of personal credit information system < P > have all contributed to the emergence and development of P2P peer-to-peer lending.

Online loan investment has the following characteristics:

1. The investment threshold is low.

except for the minimum investment of 1, yuan in lufax, the investment threshold of most online lending platforms is as low as that of 5 yuan. Compared with the high threshold of trust and bank wealth management products, online loan investment is a low-threshold mass wealth management product, which is suitable for investors of all classes.

2. The investment income is stable.

As a loan product with an agreed interest rate, the income of online loan investment is relatively stable. With reference to the lending interest rate of online loans in China in the past five years, the overall rate of return is about 2% on average. Of course, with the continuous emergence of new platforms with more marketing activities recently, the overall rate of return has an upward trend. The interest rate level of the mainstream online lending platform is stable and declining.

3. The investment period can be freely planned.

online loan investment can choose the investment period according to their own needs and actual situation in the future, and many platforms also allow investors to borrow money on the platform with the unexpired investment as a guarantee to meet the unpredictable demand for funds

. This allows the liquidity of online loan investment to be released. Investors can choose the investment period with reference to the future capital demand, or borrow money on the platform to temporarily withdraw cash quickly. Meet all kinds of capital

needs in real life.

4. System risk is the main risk of online loan investment.

As a networked form of private lending, credit risk is the main risk, that is, if

the borrower doesn't pay back the money, then the investor may lose the principal. However, in China, many online lending platforms act as guarantors. If the borrower fails to repay the loan within the time limit, the online lending platform will < P > advance the principal or principal and interest, which allows investors to avoid the credit risk of the borrower's overdue repayment, and all the risks are only whether the online lending platform itself is reliable and whether it can bear the pressure of overdue. As long as the platform exists, investors have no risk of losing their principal.

Under the background of inflation, complicated economic situation and few investment channels for investors to make money, the advantages of online loan investment have emerged.

First of all, compared with the depressed China stock market, the depressed open-end funds and various private equity products, and the low-yield savings and banking products that are inseparable from CPI, the yield of online loan investment is stable and maintains a high level.

Secondly, the liquidity of online loan investment can be enhanced through reasonable planning, and its liquidity is much stronger than that of trust products with many similarities. In some platforms that can borrow net worth, the withdrawal application is made in the morning, and the funds can reach the investor's bank card at noon or afternoon. The actual liquidity is stronger than that of monetary funds.

Third, the lowest investment threshold allows everyone to enjoy the benefits of investment, which cannot be achieved by most other investment tools, especially high-threshold trusts and bank wealth management products.

fourthly, compared with futures and other margin trading products, the risk of online loan investment is moderate, but through diversification, the risk is completely within the tolerance of ordinary people.

finally, the requirements for investors are low. Online loan investment does not require too much investment technology and experience. In the case that most platforms are guaranteed, you only need to choose a safe investment platform to achieve stable income. And some platforms have automatic bidding function, which can automatically bid without online after setting, and are suitable for investors who don't have time to surf the Internet.

Online lending platform is a new stage in China, and it has just begun, so beware of being cheated! Without the protection of laws and regulations, it is difficult to protect the rights and interests of wealth managers, so be careful, careful, careful, careful, careful, careful!

I'd like to recommend some articles about preventing being cheated! Learn more, and the industry will have a high return after a painful struggle!

I. the status quo of P2P peer-to-peer lending

P2P

peer-to-peer lending has developed rapidly since it came into being in China in 25, showing the development trend of doubling the number of business entities, expanding the coverage, expanding the scale of funds and sharply increasing the number of participants. According to the existing P2P

operating mode in peer-to-peer lending, it can be roughly classified into three categories: the first category, pure intermediary type. The operating entity of P2P peer-to-peer lending only acts as the intermediary between the borrower and the lender, and is responsible for reviewing the borrower's information, but does not share the risk that < P > the borrower cannot repay the loan. The second category, composite intermediary type. The borrower and the operator take risks, and the borrower's principal is guaranteed. Operators can ensure timely repayment by strengthening the credit review of borrowers and reduce their own bad debt rate. The third category, compound intermediary and public welfare. This kind of operators have something special in the subject of borrowing, mainly for college students, with the color of helping the poor.

II. Five types of P2P peer-to-peer lending

P2P peer-to-peer lending has congenital "hard injuries" (such as unclear nature and lack of supervision), and its own unique characteristics (strong concealment and wide coverage). Taking the activities in the traditional private lending field as a mirror, people can't help worrying whether P2P peer-to-peer lending will become another "hardest hit" for activities.

(1)

The subject's orientation is not clear, and it walks in a gray area. According to the measures for banning illegal financial institutions and illegal financial business activities, illegal financial business activities refer to financial activities such as illegally absorbing public deposits or absorbing public deposits in disguised form without the approval of the People's Bank of China. The first paragraph of Article 174 of the Criminal Law stipulates the crime of setting up a financial institution without authorization. P2P peer-to-peer lending has not been approved by the relevant financial regulatory authorities. Although peer-to-peer lending does not have the nature of a

commercial bank, most of the operating entities are responsible for managing the lenders' funds by themselves, and lending the funds after reviewing the lenders' conditions. This behavior is similar to the savings and lending business of commercial banks, and it is inevitable that it will become an economic crime, which may constitute the crime of setting up financial institutions without authorization.

(2) The source of funds cannot be verified, which facilitates the crime. Article 191 of the criminal law stipulates the crime, which requires the person who commits the crime < P > to know that his behavior is to cover up the illegal income of the crime, conceal its source and nature, and deliberately do it for the benefit, and hope that this result will happen. Peer-to-peer lending's cash flow circulates outside the supervision system of bank funds, becoming a secret, safe and fast channel for criminals. However, P2P peer-to-peer lending operators only pay attention to the examination of the borrower's use of funds, and it is difficult to verify the lender's source of funds, so it is difficult to determine the subjective intention of its crime. < P > Therefore, it is impossible to characterize the behavior of the operator and the lender by crime.

(3) The borrower's credit verification system is not perfect, and crimes occur from time to time. Peer-to-peer lending operators have fulfilled the function of lenders to review the credit of borrowers. The existing review contents are mostly limited to personal identity information, work certificate, bank account, fund use, contact information, etc. However, the above information is easily forged in the network, and the information reviewer < P > does not have the complete identification ability, which is likely to cause borrowers to escape by defrauding loans with forged information. At the same time, peer-to-peer lending operators will also embezzle the lender's funds, resulting in "empty buildings", and the interests of investors cannot be guaranteed.

(4) It is easy to cause stakeholder crimes. Peer-to-peer lending has many people involved, wide geographical scope, strong concealment, vacuum supervision and imperfect credit review, which provides a protective barrier for illegally absorbing public deposits, raising funds and other stakeholders, and at the same time increases the difficulty for public security organs to investigate and crack down on crimes, which is extremely harmful to society. Without the approval of the competent authority, it constitutes the crime of illegally absorbing public deposits by absorbing a large amount of funds from unspecified objects in society in a way that exceeds the statutory interest rate. If the illegally raised funds are squandered, escaped, used for illegal and criminal purposes, etc., with the purpose of illegal possession, it constitutes the crime of raising funds < P >.

(5) High return on investment induces high-interest lending. Article 175 of the Criminal Law stipulates the crime of loaning at high interest. Through negotiation, the interest rates finally determined by both parties in peer-to-peer lending mostly exceed < P > four times the bank loan interest rates of the same period and grade. The high return on investment will inevitably induce people who want to be opportunistic to take credit funds from financial institutions, and then transfer the funds through the peer-to-peer lending platform for profit < P >, thus constituting the crime of high-interest lending.

3. Prevention and control measures in P2P network lending

(1) Change management ideas and attach importance to the self-circulation system of market economy. Direct government regulation does not necessarily bring better results than solving problems by markets and enterprises. Therefore, we should regulate the private lending behavior by legal means rather than rough administrative intervention, give full play to the regulatory role of the market, and try to < P > reduce the excessive interference of public rights in the operation of private rights, so that they can find a road suitable for their own development through exploration.

(2) speed up the formulation and improvement of relevant laws and regulations. Through the formulation of "Regulations on Money Lenders" and

"Administrative Measures of peer-to-peer lending", the nature, status, organizational form, supervision subject, operational norms, entry and exit mechanism of peer-to-peer lending are specified in detail, so as to guide the industry to develop in a healthy and orderly direction.

At the same time, it can also provide judgment basis for law enforcement agencies, so that there are laws to follow and the abuse of administrative power can be avoided. At the same time, the existing laws should be revised, the boundary between crime and non-crime of private financing behavior should be pointed out, and the key points to be cracked down should be clarified.

(3)

Establish an effective user identification mechanism. Accurate verification of users' personal information is a necessary prerequisite for peer-to-peer lending to become bigger and stronger. Operators in peer-to-peer lending should fulfill their social responsibilities and undertake the obligation to prevent illegal and criminal activities within their power. Accurately verify the user's identity information, source of funds, purpose of loan, social relations, credit history, interest rate level and repayment situation, and notify the relevant functional departments in time if any abnormal situation is found,

so as to nip in the bud.

(4) strengthen the construction of network security. The process of peer-to-peer lending will involve users' personal privacy and personal property rights and interests. Therefore, it is necessary to improve the confidentiality technology of customer information in peer-to-peer lending, assign special personnel to be responsible for the safety of personal information involved in the transaction process, destroy it in time, formulate emergency plans for customer information leakage, and deal with it in time in case of information leakage, so as to minimize the loss.

(5) Pay attention to the collection of electronic evidence. Peer-to-peer lending's activities are mostly carried out through virtual networks, so electronic evidence has become the key evidence type to support litigation proof activities. Because electronic evidence is easy to be destroyed, easily changed and difficult to be extracted, peer-to-peer lending operators should do a good job of backing up relevant transaction records in order to improve the awareness of electronic evidence extraction and protection.

(6) The network supervision department of the public security organ has stepped up supervision. The public security organs make use of their existing network supervision advantages, set scientific and reasonable supervision indicators, build a long-term mechanism to simultaneously crack down on and prevent illegal financial activities, and conduct real-time dynamic monitoring on the websites operated by peer-to-peer lending. If any abnormal situation is found, they should check with other departments in time to nip stakeholder activities in the bud.

(7)

Intensify social propaganda to expose common tricks of criminals. Based on the profit-making psychology, the public may ignore the illegal nature of related behaviors, and carry out multi-level and multi-angle publicity on the common types, habits and dynamic characteristics of crimes through TV, radio, newspapers, internet and other media, so as to enhance the people and relevant units' ability to distinguish and prevent crimes and urge them to consciously commit crimes.

(8) explore more extensive and diversified investment channels. The high-pressure regulation policy of the real estate market has discouraged many would-be investors. The stock market downturn has disheartened the mass investment groups, the inflation rate has risen, the profit return rate of industrial investment is low, and other investment products are far away from the public's vision, which has led some investors to enter the field of peer-to-peer lending. Therefore, opening up new investment channels and creating a good investment atmosphere are also feasible measures to spread the risks in the field of private lending and improve the investment and financing environment.

I hope it will help you.

Why is everyone using P2P network to borrow money? What are the advantages?

Everyone hopes to make more money through their own efforts in life, so that they can make more money.