P2p financial products are characterized by high income, flexible investment cycle and convenient operation. It is mainly a mode of realizing loan demand through the network platform by using individual to individual.
Different websites have different influencing factors on the ranking of P2P loan platforms, and then calculate the score according to the weight formula to rank. For example, some rankings focus on the credit risk of platform companies, while others focus on operational transaction data. The factors influencing the ranking of industry portal platforms include turnover, popularity, leverage, liquidity and transparency. Finally, the development index is obtained for ranking. These factors are the parameters that investors pay attention to P2P loan platform.
Short-term wealth management products ranked second: bank wealth management funds.
The continuous iteration and high yield of other wealth management products force the continuous innovation of bank wealth management products. At present, the overall rate of return of the wealth management products funds of the five major banks that have established diplomatic relations between China, agriculture, industry and commerce is around 5%. However, when subscribing to a bank financing fund, you should read the product manual carefully. Because there are many types, including guaranteed and non-guaranteed types, people with different risk preferences can choose according to their own preferences.
Short-term wealth management products ranked third: Yu 'ebao Wealth Management.
Yu 'ebao wealth management products refer to money fund products represented by Yu 'ebao. For example, Lucky Treasure of China Merchants Bank, Xingye Treasure of Industrial Bank, Salary Treasure of China CITIC Bank, cash treasure of Minsheng Bank, Lifelong Treasure of China Bank and so on. Monetary funds are characterized by stable income, high security and flexible access.
Short-term wealth management products ranked fourth: bank demand savings
China people are used to keeping their money in the bank, so that they can rest assured. It is more convenient to deposit and withdraw money than to put it in the bank. Unlike buying other wealth management products, it needs a redemption period, so banks don't have this time cost. They can withdraw cash directly from the counter and ATM, which is very convenient.