1 and P2B are full-name Internet financing service platforms. As a micro-credit service model, they are different from P2P network financing platforms. 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.
2.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.
Extended data:
P2P business model:
A typical platform of pure online mode
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.
The platform emphasizes investors' confidence in risks, and guarantees investors to a certain extent through risk margin. At present, the business expansion ability of pure online mode has certain limitations and business operation is difficult. There are few platforms that adopt pure online mode in China.
Second, the typical transfer mode of platform creditor's rights
The biggest feature of this model is that there is an intermediary between borrowers and investors, that is, professional lenders. In order to improve the speed of lending, professional lenders first use their own funds to lend money, then transfer their creditor's rights to investors and use the returned funds to lend money again. Creditor's rights transfer mode Online P2P lending platform is more common, so it has become synonymous with pure offline mode.
Baidu Encyclopedia -p2p (Internet Finance Peer-to-Peer Lending Platform)