It has been some time since I entered the P2P industry. Some time ago, the platform engaged in activities, and I could get extra rewards for my investment, so I told this news to my friends around me. Of course, this is a friend who knows nothing about P2P. First ask me about the interest rate. I told them that around 8%- 12%, their pupils suddenly became slightly dilated. After I carefully introduced P2P to them, their glowing eyes became dim. They think that P2P financial platform is similar to usury. However, this cannot be entirely their fault. After all, I have read many news that college students commit suicide because they can't repay their loans.

Tracing back to the embryonic form of P2P is actually private lending. P2P only uses Internet technology to spread peer-to-peer lending, becoming one-to-many, one borrower and multiple borrowers, and promoting financial management for all. Relevant data show that the average annualized income of P2P is 20.06% in 20 13 years, 13.92% in 20 14 years, and 12.75% in 20 15 years, but the annualized income of P2P has remained at. But don't worry, the annualized income of P2P will not be lower than that of bank wealth management products or Yu 'ebao.

The three modes of P2P financial platform are platform mode, guarantee mode and sales mode.

Platform mode is the purest P2P. In this mode, the platform does not participate in the guarantee, but only matches the information to help borrowers and lenders better match the funds.

Guarantee mode is a P2P mode that provides principal guarantee or even interest guarantee, which is the mainstream mode of P2P in China at present.

Sales model, they actually sell the credit assets of financial institutions or quasi-financial institutions through the internet with a very low threshold.

Seeing this, many friends will definitely ask, the interest rate of P2P is quite high and the risk is quite big. Yes, it is right to have such a sense of crisis. No matter what kind of wealth management products, there are risks. For P2P, there is no need to worry about overdue, because most platforms are used as collateral. Once the borrower doesn't pay back the money, there will be collateral. Now the biggest crisis of P2P is that the platform runs away, so it is very important to choose a good platform.

Label: P2P financial platform; Bank wealth management products; wealth management products

This article is provided by Pyramid P2P for you!