First, when bank investors purchase financial products, they are essentially lending money. However, due to the inclusion of banks and shadow banks (channels for non-standard assets) in a simple lending relationship, the high interest actually paid by the borrower is covered by the intermediary financial institution in the form of handling fees.

Forms are stripped away layer by layer, leaving very little at the investor end.

Second, behind Yu’e Bao Yu’e Bao is actually a monetary fund. The investment targets of monetary funds are short-term monetary instruments, mainly bank certificates of deposit and short-term bonds with high credit. In short, these complex financial products are essentially for borrowing money.

Used by people for financing.

But after such a complicated process, most of the profits from the financing process were divided up by the financial elite.

Third, P2P is finance based on the Internet. Investors and borrowers can directly connect funds. The high interest rates that borrowers are willing to pay can be directly converted into high returns for borrowers, and P2P only serves as information transmission.

role as a broker and charge a small intermediary fee.

The high returns of P2P are not due to high risks, nor are they unreliable.

Buying ordinary financial management is equivalent to going to the mall for shopping, while investing in P2P is equivalent to Taobao. Without some intermediate links, you can naturally get more benefits.

With low barriers to entry and high returns, it is understandable that P2P is more popular among the people.

Eight major differences between P2P financial management and bank financial management People who are aware of investment and financial management may have been exposed to a variety of financial management methods and tried a variety of financial management products. Bank financial management is a very traditional financial management method. In recent years, with the development of the Internet financial industry

With the development of financial management, there are many financial management methods that are constantly impacting bank financial management methods. P2P financial management is one of them. So what is the difference between the recently popular P2P financial management and bank financial management? 1. Investment threshold: The starting point of bank financial management products on P2P platforms

The purchase amount is high, most of which require 50,000 and above, while P2P is very low and is more popular and sought after by small financial accounts.

P2P, such as Weiqianjin Financial Management, the minimum investment is 100 yuan, making it easy to manage finances.

2. Annualized rate of return: P2P platform > Bank financial management According to data calculations, the annualized rate of return of bank financial products fell below 5% in the first half of 2016, while the P2P platform income, taking one year as an example, the lowest is about 7%-8

%, some platforms can be above 10%.

As far as the current industry market interest rate is concerned, 15% is already a relatively high interest rate, and above 18% is an absolutely high interest rate.

The purpose of financial management is to make money for money, and from the perspective of yield, P2P financial management is indeed better than bank financial management.

3. Fund liquidity: P2P platform > Bank financial management Bank financial management generally settles the principal and interest together after the product expires, which leads to a significant reduction in the liquidity of funds. The P2P financial management model adopts a one-time repayment of principal and interest, with interest first and then principal.

Various methods such as (monthly interest payment, principal repayment at maturity), equal principal and interest/equal principal, etc., reduce financial management risks to a certain extent and meet daily liquidity needs.

4. Handling fees: Bank financial management on P2P platforms requires handling fees, custody fees, management fees and other items, which invisibly divides a large amount of income from financial investors.

The charging content of P2P platforms is simpler and clearer. Usually only a small amount of recharge and withdrawal fees and service fees are charged, and some channels even do not even charge withdrawal fees.

5. Convenience: P2P Platform > Bank Financial Management The investor needs to bring his or her ID card to the bank counter for the first time to conduct bank financial management. However, most P2P financial management can be completely processed online.

In this regard, P2P financial management is more convenient and more time-saving than bank financial management.

6. Project authenticity: P2P online lending is transparent, and bank financial management images are clear. When many bank financial management products are promoted, most of them actually do not know the purpose of funds, how income is linked to, product risks, etc. The financial management managers sell them in a confused way, and the customers

I bought it in a daze.

However, the demander of P2P online loan funds actually informs the loan purpose and project information, and investors can independently identify and select online loan projects, so that they are aware and clear.

7. Mortgage guarantee: P2P financial management model, bank financial management without bank financial management is actually a kind of credit loan lent by investors to banks. Apart from bank credit, there are no risk compensation measures and means.

P2P generally has the borrower's full-value assets or high-quality claims as collateral (pledge), and completes the mortgage registration procedures, which has a certain degree of security.

8. Security: P2P security is controllable. Bank financial management may appear to be safe, but its security is opaque. Today, the China Banking Regulatory Commission also allows banks to go bankrupt, which shows that even banks are not 100% reliable.

We don’t know what the bank uses the investors’ funds for, so the bank seems safe, but in fact there are certain risks.

Most people will definitely say that P2P is unsafe, with frequent scams and scams. In fact, the risks of P2P can be controlled.