P2P网贷特点汇总

1、P2P网贷特点汇总网贷投资具有以下特点:1. 投资门槛低。大部分平台最低投资需要 100 元，相比信托和银行理财产品的高门槛， 网贷投资是低门槛的大众理财产品， 适合所有阶层的投资者。2. 投资收益稳定。作为约定利率的借贷产品，网贷投资的收益是比较稳定的，参照中国网贷五年来的借贷利率水平， 平均而言整体的收益率水平大约在 20%左右。当然近期随着营销活动较多的新平台的不断涌现，整体的收益率水平有上升的趋势。 而主流的网贷平台的利率水平则是稳中有降。3. 投资期限可自由规划。网贷投资，可以根据自己的需求以及未来的实际情况， 选择投资的期限， 而许多平台也允许让投资者用未到期的投资做担保在平台上借

2、款， 以满足不可预测的资金需求。 这让网贷投资的流动性得以释放。 投资者既可以参照未来的资金需求情况来选择投资期限，也可以在平台上借钱来暂时迅速提现。满足现实生活中的各种资金需求。4. 系统风险是网贷投资的主要风险。网贷投资作为民间借贷的网络化形式， 信用风险是主要的风险，也就是如果借款人不还钱， 那么投资者就有损失本金的可能性。但是在中国， 许多作为资金中介的网贷平台充当了担保人的角色，如果借款人逾期不还款， 那么网贷平台会先行垫付本金或者本息，这让投资者规避了借款人逾期不还款的信用风险， 而所有的风险只在于网贷平台本身是否可靠， 平台自身是否能够承受逾期的压力。只要平台存在，投资者就没有损

3、失本金的风险。在通胀依旧，经济形势复杂而投资者可赚钱的投资渠道不多的大背景下，网贷投资的优势就显现了出来。首先，相比于低迷的中国股市， 随之消沉的开放式基金和各种私募产品， 以及与 CPI 拉不开距离的低收益的储蓄和银行产品，网贷投资的收益率稳定而且保持较高水平。其次，网贷投资的流动性可以通过合理的规划而增强， 变现能力比有许多相似之处的信托产品要强的多。 在一些可以净值借款的平台， 早上提出提现申请， 中午或者下午资金就可以到达投资者的银行卡里，实际的流动性比货币型基金都要强。第三，最低的投资门槛，让所有人都可以享受投资的收益，这是其他大部分投资工具尤其是高门槛的信托以及银行理财产品所无法实

4、现的。第四，相比期货等保证金交易产品，网贷投资的风险适中，而通过分散投资，风险完全在普通老百姓的承受范围之内。最后，对投资者的要求较低。 网贷投资无需太多的投资技术和经验，在大部分平台都保本的情况下， 只需要选择安全的投资平台，就可以实现稳定的收益。而一些平台有自动投标功能，设置后无需在线就能自动投标，适合没有时间上网的投资者。When you are old and grey and full of sleep,And nodding by the fire, take down this book,And slowly read, and dream of the soft lookYou

5、r eyes had once, and of their shadows deep;How many loved your moments of glad grace,And loved your beauty with love false or true,But one man loved the pilgrim soul in you,And loved the sorrows of your changing face;And bending down beside the glowing bars,Murmur, a little sadly, how love fledAnd p

6、aced upon the mountains overheadAnd hid his face amid a crowd of stars.The furthest distance in the worldIs not between life and deathBut when I stand in front of youYet you don't know thatI love you.The furthest distance in the worldIs not when I stand in front of youYet you can't see my lo

7、veBut when undoubtedly knowing the love from bothYet cannot be together.The furthest distance in the worldIs not being apart while being in loveBut when I plainly cannot resist the yearningYet pretending you have never been in my heart.The furthest distance in the worldIs not struggling against the

8、tidesBut using one's indifferent heartTo dig an uncrossable riverFor the one who loves you.When you are old and grey and full of sleep,And nodding by the fire, take down this book,And slowly read, and dream of the soft lookYour eyes had once, and of their shadows deep;How many loved your moments

9、 of glad grace,And loved your beauty with love false or true,But one man loved the pilgrim soul in you,And loved the sorrows of your changing face;And bending down beside the glowing bars,Murmur, a little sadly, how love fledAnd paced upon the mountains overheadAnd hid his face amid a crowd of stars

10、.The furthest distance in the worldIs not between life and deathBut when I stand in front of youYet you don't know thatI love you.The furthest distance in the worldIs not when I stand in front of youYet you can't see my loveBut when undoubtedly knowing the love from bothYet cannot be together.The furthest distance in the worldIs not being apart while being in loveBut when I plainly cannot resist the yearningYet pretending you have never been in my