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In 2010, China overtakes Japan being the other world's economy. According to economists, China remains to be a developing country with fast pace of growth. Data released that Japan\'s gross domestic product is $1.286 trillion while it is worth $1.335 trillion for China. Another source demonstrates Japan keeps growing at 2-3 percent in compared with 10 % a year of China. Meet with difficulties, clothing retailers in October and November for coat and knitwear sales was blocked by the untimely warm weather, while the housing market slowdown means DIY furniture chain and tough times. Mehrotra said the additional rate for PC flash drives in 2017 is about 35 percent, and will increase to 75 percent by 2020. And "a lot of hard drives still need to be replaced by SSDS... Future self-driving vehicles are expected to be equipped with about 40GB of DRAM... This will also drive the use of NAND flash memory." The high yield p2p wealth management products know the above mentioned above, and also know that the domestic p2p financing market is not sound enough, so there is a certain risk in the p2p financing investment. How to choose investment platform, how to determine the security of P2P wealth management products, its complexity is also greatly increased. So be cautious as investors. Economist lynde hull explained that the benefits of capital in different periods of time would be interest. According to linde hull, interest in a specific period and the difference between the expected consumption is savings (during the period of the growth of capital), and returns the sum of consumption and savings are given period of time.