1. There is no direct relationship between the original investment and the loan. Usually, investors need to invest through financial intermediaries (banks, insurance, funds, trusts, etc.). ), and then financial intermediaries lend money and invest it in the hands of investors who generate returns. The emergence of Internet technology has broken this investor-financial intermediary-borrower model, but directly found the borrower through Internet technology, which directly contributed to investment, reduced intermediate links and improved the return on investment. That is internet finance.
2.p2p refers to peer-to-peer lending between individuals. It can also be said that it is a combination of online and offline peer-to-peer lending. This is a brand-new internet financial model. A P in P2P refers to some "secondary" customers who are in urgent need of capital turnover but can't get bank loans. The other P refers to ordinary investors who have idle funds but lack financial channels. So the P2P platform was derived to act as a matchmaker of funds and connect the two parties.
3. With the gradual decline in the income of baby wealth management products represented by Yu 'ebao, high-yield P2P wealth management has become more and more popular and deeply rooted in people's hearts. P2P platforms have mushroomed and gradually expanded to the scale of 2000 in China. Although there are risks in P2P financial management, there are also some high-quality P2P platforms in the market, which can control risks well and give investors a suitable return on investment. Golden Sea Loan, Renren Loan, lufax, Youyi.com and other first-line platforms are among the best.