What is the difference between P2P and bank wealth management

The difference between P2P and bank finance:

The first point, the customer positioning is different.P2P financial management in general to take greater risks, and bank finance in general in the gain at the same time, the pursuit of more robust, so for both, willing to take the risk of a large number of people recommended to consider the P2P financial management, of course, to get the benefit is also larger.

The second point, liquidity is different. Overall, the liquidity of P2P finance is much greater than bank finance, and there are many platforms for current finance.

The third point, the threshold is different. Obviously, the threshold of P2P financial management is generally lower, the starting investment of 50, or the starting investment of 100, unlike the bank financial management that is also the pursuit of what big customers, an investment is hundreds of thousands of dollars.

The fourth point, different returns. Needless to say, the bank financial returns generally can not be compared with P2P, such as ICBC, China Merchants Bank, Agricultural Bank of China, Bank of China, etc. returns are generally in the 3-4% or so, but the p2p returns are in the 10% up and down.

Here, to remind you is to choose P2P finance, not only to look at the return, but also look at the qualification of the enterprise and the wind control system, after all, the safety of funds is the most important.

Lastly, financial management is risky, investment needs to be cautious.