理财小白如何才能成功逆袭成理财达人？

现在这个人人理财的阶段，理财小白们也淡定不了了，可是从来不理财的小白们又该如何在玲琅满目的理财产品中选择呢？毕竟现在投资理财的种类和方式很多，收益、风险、门槛高低各不同。在这种情况下，对于理财小白来说，P2PFinancial management has become the best choice.

P2PThe low threshold investment route for wealth management is highly sought after by investors, and the returns are also better than other wealth management channels. For financial novices, the advantage of low threshold provides them with more choices to try the water, while putting eggs in multiple baskets for experimentation, always finding a suitable investment product for themselves.
currentP2PThere are many industry platforms, so financial professionals can choose from three different types of platforms during the trial period:
保守型投资平台：稳中求稳，扎实低效
平台代表：翼龙贷
这类平台的优势就是风控能力较强，但是收益非常低下。以翼龙贷为例，成立于2007年，是我国P2P行业第一批探索者之一，旨在为三农、微小企业提供便利。它为大众提供低门槛、低成本、高效率、安全可靠的融投资新渠道。翼龙贷的平均收益在8%左右，处于中下水平，16个月的借款期限在灵活性上略有欠缺。
稳定型投资平台：稳中求进，效益中等偏上
Platform representative: Damai Wealth Management
The advantage of this type of platform lies in its higher returns compared to conservative platforms, and its risk control capabilities are not inferior, making it the backbone of the industry. Using barley for financial management（www.damailicai.com）For example, the platform relies on its listing+The background of state-owned assets provides an additional guarantee for risk control capabilities, and barley wealth management has been completedCRound robin financing. Focusing on supply chain finance, the repayment parties for projects are mostly500Strong, listed companies, state-owned enterprises, etc. ensure the quality and safety of projects from the source of business. The platform has strict risk control, has risk reserves, and is supervised by CITIC Bank to ensure dedicated use of funds. The revenue of this platform lies in12%Around, with a relatively short time frame and flexibility, it is suitable for most stable investment users nowadays, and such platforms are often the most sought after by investment users.
激进型投资平台：激进冒险，收益风险并存
平台代表：爱钱进激进型平台的特点就是样式多，收益高，但同时风险方面也需要投资者慎重考虑。以爱钱进为例，于2014年上线，是目前中国互联网金融平台最具实力的之一，目前推出的投资项目根据用户需求分为四种不同类型：零存宝、整存宝、爱月投和散标。爱钱进的平均收益在12%左右，处于行业较高水平线。但所谓回报和付出成正比，该平台的平均借款期限时间较长，达34个月，属于行业内为数不多的超长期限的借贷平台，比较考验投资者的耐心。
For financial professionals,P2PLow threshold investment is very suitable, with simple operation, low threshold, and considerable returns. By analyzingP2PAfter a detailed understanding of the platform, identify the type of platform that suits you for investment. Are you still afraid of not learning how to manage finances?
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