During the depression, the rate of interest reduction, the expansion of money supply, stimulate economic development. During the expansion period, the interest rate increases, the money supply is reduced, and the economic development is suppressed. So, interest rates have a big impact on our lives. 1. Principles of securities investment 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.