What is the difference between P2P financial management and traditional financial management

There are several differences between P2P finance and traditional finance:

Annualized yield. In terms of all financial products on the market today, the annualized return of P2P finance is much higher than that of traditional finance in banking.

Investment threshold.P2P net loan investment threshold is low, most of the current domestic are 100 yuan starting investment, investment projects are not variable. The bank financial products starting amount is high, most of them need 50,000 100,000 starting amount, so that many people are discouraged.

Liquidity: P2P financial products in China at present, most of the domestic 1-12 months, liquidity, many can be transferred at any time bonds, while the traditional financial investment period is mostly in years, the ability to liquidity is poor, liquidity is tight.

Transparency is different: P2P is lending between individuals and individuals, and the information of both borrowers and lenders is more transparent. The transparency of traditional financial products is much lower, and many people are investing their money without knowing how the bank operates, and the flow of funds is unknown.