If classical economists have interpreted the "market" as "laissez-faire", coase has answered the question of how to achieve "laissez-faire" or "price mechanism". With the development of p2p, many people in the market have been hurt. Many people in the market have begun to reject the p2p in particular, but they are also conflicted, and are afraid and rejected by the high yield. In fact, high-yielding p2p wealth management products are not from high risk, and they are not unreliable. However, after all, financial investment is risky. For investors, how to find safe and reliable channels to ensure their high yield is the most important issue. The investment of securities provides an important means for the central bank to conduct financial macro-control, which is of great significance to the sustainable and efficient development of the national economy. The plan should also be linked to capital management in addition to the analysis of market objectives