Hello, the difference between p2p and trust: first, the investment threshold is different.

The threshold for p2p financial management is very low. Maybe you have 50,000 yuan, and you can implement P2P financial management.

However, the investment amount of trust financial products is generally more than 1 million.

If you don’t have 1 million, it shouldn’t be difficult to enter this field.

Second, the deadlines are different.

P2P financial management has long-term financial management models and short-term financial management models, so its time is not fixed. The closing period of some financial management models is three months; while the period of trust financial management is generally between 1 and 3 years, with a fixed period.

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Third, the direction of funds is different.

P2P financial management funds generally flow to small and medium-sized enterprises or individuals.

However, the funds from trust financial products will be mainly invested in major projects, and the financial strength of the financiers is relatively strong.

Fourth, the benefits are different.

P2P is a new industry, and its profits vary greatly, some can be as high as 20%-30%.

However, trust financial products have been around for many years, so their returns are relatively stable and will generally be adjusted according to the central bank’s interest rates.

Fifth, the issuers are different.

P2P is an individual-to-individual loan. P2P companies only act as intermediaries and cannot become issuers.

Trust financing is issued by trust companies.

Sixth, the risks are different.

Compared with trusts, P2P is definitely more risky. Trust companies are supervised by the China Banking Regulatory Commission and their legal system is relatively complete.