Is there a big difference between bank financing and P2P?

First of all, the profit is different. As a new financial industry, the starting point of p2p financial management is to solve the problem of difficult capital turnover for most people and quickly occupy the market. Therefore, the income of p2p wealth management products is generally higher than that of banks, and the interest can even be 1 to 3 times higher. Therefore, from the perspective of profitability, p2p financial management is more attractive.

Second, the beneficiaries are different. Peer-to-peer financial management is based on the difficulty of capital turnover of many small and micro enterprises, and it also brings a lot of convenience to those who have spare money but can't reach large investment. Therefore, p2p has very low restrictions on investors, as long as you have spare money to meet the investment requirements. The threshold of banks is very high, and only those with high capital gains can invest.

Finally, p2p financing and bank financing have different liquidity. The investment time required for bank financing is relatively long, basically more than half a year. However, due to the flexible development of p2p, there are not too many rigid requirements, many people participate, there are many short-term tenders, and there is no mandatory requirement for time. This has also helped many people solve the problem of capital turnover to some extent.