My friend transferred money to me to buy wealth management. Is it private lending or entrusted financial management?

Two different risks, try not to buy on behalf of others and avoid unnecessary disputes. With the active investment and wealth management market, some situations called "investing in real loans" have occurred from time to time. Citizens should raise their eyes and distinguish: those with fixed income and the final risk borne by creditors belong to private lending; Otherwise, it belongs to entrusted financial management. Due to the potential risks in the market, the fluctuation of market interest rate and the instability of capital income, the actual income and financial management losses are unpredictable. Investors need to reasonably judge and choose financial management projects and bear the risk of profit and loss, and cannot avoid risks by agreeing on fixed income. Before financial management, you should make a good assessment of yourself, make clear the risk range that you can bear, choose the financial management project that suits you after knowing the type, characteristics and risks of the products, and keep the relevant vouchers to avoid being unable to deal with the disputes in the later period.

1. For private lending caused by loans from family members, friends and companies, it is necessary to make clear that the legal lending relationship can be protected by law, and be careful of "illegal financing" of private lending. If the lender intentionally uses the loan for illegal activities, the lender will not only get the creditor's rights, but also be punished by law. Most private loans take the form of "promissory notes" instead of contracts, but promissory notes are too simple to handle when disputes arise. It is best to sign a formal contract to specify the rights and obligations of the parties in detail to avoid future troubles. P2P lending institutions lend out of the demand for funds, which is the development trend of private lending in recent years. In the traditional bank lending relationship, depositors deposit money in the bank to save money. In the traditional private lending relationship, lenders mostly borrow through kinship, geographical relationship or business relationship. The primary purpose of borrowing money is to maintain relationships, not to increase the value of money.

2.P2P is not like this-borrowers and borrowers establish relationships through the Internet. The purpose of a lender's loan is to increase the value of money. In fact, the loan is regarded as a financial tool. In recent years, the investment model of P2P online lending industry has been sought after by many investors. Many novices are willing to invest in P2P short-term financial management, mainly to test the water and avoid risks. Many experienced investment veterans will not miss the opportunity of P2P short-term financial management and get higher returns. It is conceivable that P2P financial management has its own advantages. Easy to use and easy to operate P2P investment and financial management procedures are simple. You only need to register on the P2P investment and financial platform for real-name authentication and financial management, which saves more complicated processes and constraints. The threshold of financial management is low, and the starting point of investment and financial management ranges from 100 yuan to several thousand yuan. P2P is convenient, with Internet and thinking. No matter the client or the mobile client, as long as there is network coverage, personal computers can be easily managed. Short-term investment, flexible time and funds include many types of P2P investment and wealth management products, such as house mortgage, credit, car mortgage and so on.