National debt means that the country needs money and then issues creditor's rights to raise funds. At the appointed time, they will give you the principal and interest together. However, this time is relatively long, usually 3-5 years.

P2P financial management is different. The platform provided is equivalent to an intermediary. You have financial needs, and the other party has borrowing needs. After the platform reviews the qualifications of this borrower, it will decide whether to accept this project. If you think you can, just publish the target on the platform, and investors can invest if they think they can. Generally speaking, the time is relatively short, ranging from one or two months to one or two years. But most of them are six to nine months.

The risk of national debt is relatively low, so P2P financial management should find a good platform and consider rationality. Of course, the income of P2P financial management will be much higher than that of national debt.