Why Jane Finance is not P2P?

Simple financial management is a financial management tool with intelligent diversification of investment and flexible application for transfer. Simple financial management is still very different from the traditional P2P model.

Peer-to-peer lending is a direct lending between individuals through the Internet platform. Simple financial management does not directly provide information services to borrowers, but only serves as an information intermediary for entrusted investment services.

Traditional P2P is a peer-to-peer lending model from individual (enterprise) to individual (enterprise), while simple financial management is an innovative and intelligent decentralized investment by building a bridge between users and asset management institutions.

There are also real estate mortgage, chattel pledge, consumer finance, asset exchange and other assets in the allocation of funds for simple financial management, reducing investment risks. Simple financial management now has more than 4.7 million users. If a large number of users conduct creditor's rights transfer transactions, they can flexibly buy or redeem assets.

Therefore, simple financial management does not belong to peer-to-peer lending, but is a kind of entrusted financial management tool, which provides intelligent tools and information services for entrusted investment users.

Extended data

P2P financial characteristics:

1. Direct transparency: The borrower and the borrower directly sign personal loan contracts to learn about each other's identity, credit and other information one by one.

2. Credit screening: Under P2P mode, lenders can evaluate and select the credit of borrowers.

3. Risk dispersion: The lender distributes the funds to multiple borrowers and provides small loans at the same time, so that the risks are dispersed to the greatest extent.

4. Low cost: Let everyone become a disseminator and user of credit, and credit transactions can be carried out very conveniently, and everyone can easily participate.

Baidu Encyclopedia -p2p (Internet Finance Peer-to-Peer Lending Platform)