P2P is the abbreviation of English Peer to Peer (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.
On September 4th, 20 19, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Loan Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System, which supported the operating P2P online lending institutions to access the credit information system [1].
In mid-June, 2020, 5438+065438+ 10, the actual P2P online lending institutions in China were completely zero.
Second, what does p2p online lending mean?
P2P is the abbreviation of English peertopeerlending, 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 belongs to a product of Internet Finance (ITFIN).
P2P belongs to private micro-lending, which is an online credit platform with the help of Internet and mobile Internet technology, as well as related financial management behaviors and services.
The biggest feature of the pure online mode is that both borrowers and investors get credit loans from non-ground channels such as the Internet and telephone, and the loan amount is small. The credit evaluation and audit of borrowers are mostly conducted through the Internet. This model is close to the original P2P lending model, focusing on data lending technology, user market segmentation and small-scale intensive lending needs.
P2B mode typical platform:
This model has also made great progress in 20 13, in which b refers to business, that is, enterprise. This is a model in which individuals provide loans to enterprises. However, in practice, in order to avoid various risks brought by a large number of individuals lending money to the same enterprise, it is generally to give the money to the actual controller of the enterprise first, and then the actual controller lends the money to the enterprise.
P2B model is characterized by a high amount of single loan, ranging from several million to tens of millions or even hundreds of millions. Generally, guarantee companies provide guarantees and enterprises provide counter-guarantees. At the same time, this model no longer conforms to the characteristics of micro-scale and intensification. It is not easy for investors to fully diversify their investments and risks, and the related pressure is transferred to the platform, which puts forward higher requirements for the platform's risk tolerance.
Third, what is P2P online lending?
P2P lending is the abbreviation of peertopeerlending, and peer means individual. In short, P2P peer-to-peer lending platform is a combination of private lending and the Internet. The information, funds, contracts and procedures in the traditional lending relationship are all realized through the Internet. P2P, where P means English peer. Mainly refers to the financial model that individuals provide small loans to other individuals through third-party platforms and charge a certain fee. Peer-to-peer customers mainly have two aspects, one is the customer who lends money and the other is the customer who needs loans.
4. What is p2p online lending?
Internet credit originated in Britain, and then developed to the United States, Germany and other countries, referring to "person-to-person". Its typical model is: online credit companies provide a platform for borrowers and lenders to bid freely to reach a deal. Lenders of funds receive interest income and bear risks; The borrower repays the principal when it is due, and the online loan company charges the intermediary service fee.
In China, the earliest P2P online lending platform was established in 2006. In the following years, domestic online lending platforms were still rare, and few entrepreneurs set foot in them. Until 20 10, the online lending platform was valued by many entrepreneurs, and some water testers began to appear one after another. Love to invest in online lending has achieved good results in the industry.