First of all, P2P and trust wealth management products have similar interest rates.

Secondly, because of the principle of small but scattered, P2P is prone to risks and has a large number of trusted objects.

Third, the investment threshold of P2P is much lower than that of trust. Trust can invest hundreds of thousands, P2P can invest 1 yuan, and there is no threshold.

Fourth, the trust lacks a guarantee mechanism, the borrower runs away, and the principal and interest are gone. Now most P2P platforms are guaranteed by principal and interest.

Fifth, P2P regulatory rules will be issued next year, when P2P will be more standardized and more attractive to investors.