2. The social value of peer-to-peer lending mainly lies in three aspects: meeting the capital needs of individuals and small and micro enterprises and improving the utilization rate of idle funds in society. Internet credit companies (third-party companies and websites) are used as intermediary platforms, and the Internet and mobile Internet technologies are used to provide a network platform for information release and transaction realization, connecting borrowers and borrowers to realize their respective lending needs. The borrower publishes the loan target on the platform, the lender bids to provide the loan for the borrower, and both borrowers and borrowers bid freely, and the platform clinches a deal. In the process of lending, information, funds, contracts and procedures are all realized through the network. It is a new financial model developed with the development of internet and the rise of private lending, and it is also the development trend of financial services in the future.
3. peer-to-peer lending platform, also known as peer-to-peer lending platform, allows people to interact directly through the Internet, which makes communication easier and can be enjoyed and interacted directly.
4. It is worth noting that online lending has certain risks. Generally speaking, the higher the income, the higher the risk. Therefore, when choosing an online lending platform, it is necessary to know in advance whether the platform is compliant and whether the benefits of the platform are reasonable.