First, P2P and offline wealth management companies raise funds in different ways.
Peer-to-peer online lending refers to small loan transactions between individuals. Generally, with the help of online lending platform, both borrowers and lenders can establish a lending relationship and complete relevant transaction procedures, and the lending platform will charge a certain management fee. Theoretically, the borrower can release the loan information by himself, including the amount, interest, repayment method and time, and decide the loan amount by himself to realize self-help loan. Offline financial management refers to informal financial institutions, which attract people to invest with high returns offline, so they are essentially two completely different companies. Of course, it is also wrong not to open an offline store and call it offline financial management, and to build a website called P2P.
Second, P2P is different from offline financial platform in information transparency.
Apart from the different ways of raising funds, the most essential difference between them lies in the transparency of information, which directly leads to the different levels of risks involved. Let's talk about P2P online lending first. According to the Interim Measures for the Management of Business Activities of P2P Lending Information Intermediaries (Draft for Comment), the P2P online lending platform must strictly disclose the basic information of borrowers and financing projects, risk assessment and possible risk results, information of matched and unexpired financing projects and platform management information. At the same time, the P2P platform can only be used as an information intermediary, and it is not allowed to touch trading funds, set up a fund pool or set up offline stores.
Investors in offline financial management are often middle-aged and elderly investors. They pay more attention to income and don't know where the funds go. Offline financial management rarely exposes the true identity and purpose of the borrower, and the financing amount is much larger than P2P.
Third, the supervision of the two is different.
As we all know, the regulatory policy stipulates that P2P online lending transactions are legal and compliant, and it is not allowed to open offline stores. The regulatory authorities can use the information flow of the Internet and big data to judge the whereabouts of investors' funds and ensure the safety of investors' funds. The offline financial information is not transparent enough, and its operation mode is more hidden. It is difficult for the regulatory authorities to know the turnover and bad debts of offline wealth companies.
As an investor, you must have enough risk awareness in the process of investment. High returns are bound to be accompanied by high risks. The key is to have the ability to identify risks in the face of high interest rates. Don't let your hard-earned money beat Shui Piao for a moment's negligence.