P2P is the abbreviation of English person-to-person (or peer-to-peer), which means partner-to-partner. Also known as Peer-to-Peer peer-to-peer lending, it is a private micro-lending model, which gathers small amounts of funds and lends them to people who need them. It is the product of Internet finance (ITFIN). It belongs to private microfinance, an online credit platform built with the help of Internet and mobile Internet technology, and related financial management behaviors and services.