Recently, there are a lot of P2P financial managers in the circle of friends who are active, probably because they have a little money in their purse at the end of the year, and the employees in the company send some advertisements and copywriting from time to time, and everyone really needs to be vigilant.
I read their copywriting, it is generally the temptation of high interest rates, the yield of one-year products is as high as 6%-7%, and the yield of five-year products is even as high as 12%-15%.
However, I have never seen them interpret their own products, nor have I read the financial management manual, let alone know what field the funds are invested in, and what kind of investment risks customers may have.
Of course, there are indeed some customers who have already got the principal and interest in the early stage, but the snowball will only break if it rolls big enough, and using the principal of the back customers to pay the interest of the front customers is the usual routine of P2P wealth management companies, and it is difficult for banks to make money with so many low-cost liabilities, and I really can't imagine what channels these small companies can rely on to earn interest margins.
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