What is P2B financial management? What are the top platforms?

P2B, whose full name is Internet financing service platform, is a micro-finance service model different from P2P network financing platform. P2B refers to a personal-to-business, a personal-to-business loan model. In the past two years, the number of online lending platforms in China has increased rapidly, and there are about 350 active platforms at present.

Different from P2P, P2B platform only provides investment and financing services for SMEs. Borrowing enterprises and their legal persons (or actual controlling major shareholders) should provide enterprise and individual guarantees, and basically do not provide pure credit unsecured loans, plus loan deposit accounts with similar guarantee models. Therefore, from the perspective of investment risk, P2B has higher investment security than P2P.

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