Point 2: look at the mortgage. The p2p platform is a credit loan or a mortgage. If it is a mortgage, it depends on what the mortgage is mainly, such as real estate, vehicles, etc., the loan risk of the mortgaged property is much smaller than the credit loan. If there is a risk, the company will sell the mortgage of the borrower to the investor. Wealth managers say that not only the collateral, but also the mortgage rate, which is the percentage of the value of the debt and the collateral. The mortgage rate is mainly to prevent the mortgage from not sufficient to cover the debt. If it is not, the risk of investment will increase and the situation of repeated mortgage will be avoided. If classical economists have interpreted the "market" as "laissez-faire", coase has answered the question of how to achieve "laissez-faire" or "price mechanism". The rise of new tokens and funds Think of high yield p2p wealth management products, as investors you should know this: Although interest rates are expected to rise further next year, savers should not expect higher interest rates from Banks, experts have suggested.