What is P2B?

P2B financial management is a network investment and financing platform. On the P2B platform, the interest rate is much lower than that of private lending, and it is the funds needed for the short-term development of enterprises. P2B platform is responsible for auditing the authenticity of financing information of borrowing enterprises and the validity of collateral, evaluating the loan risk, and ensuring the minimum repayment risk by extracting repayment guarantee from the borrowed funds.

As a pure investment and financing intermediary, P2B platform only charges a certain platform service fee, neither financing nor lending.

Extended data:

According to the different cooperation institutions, P2B platforms can be subdivided into the following categories:

First, a platform for cooperation with guarantee companies;

The second is a platform for cooperation with small loan companies;

Third, a platform for cooperation with factoring companies and financial leasing companies;

Fourth, a platform for cooperation with powerful licensed formal financial institutions such as securities companies, four major asset management companies and banks.

Because guarantee companies usually have weak risk control ability, followed by financial leasing companies and factoring companies, small loan companies are slightly stronger. Securities companies, four asset management companies, banks and other licensed formal financial institutions have strong strength, the strongest risk control ability and the highest risk control level.

Therefore, among these types of P2B platforms, the first type is risky, followed by the second and third types, and the fourth type is a platform for cooperation with powerful licensed formal financial institutions such as securities companies, four asset management companies and banks, which is worthy of investors' trust.

References:

Baidu Encyclopedia -P2B