The social value of P2P is mainly reflected in three aspects: meeting personal capital demand, developing personal credit system and improving the utilization rate of social idle funds. 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.
Extended data:
The full development of P2P peer-to-peer lending has pushed banks out of the lending business chain. The N2N model of P2P peer-to-peer lending can take into account the dual advantages of banks and private lending. In particular, it has nothing to do with the Zopa peer-to-peer lending platform in the UK.
Use the institutional internet platform to finance themselves or related borrowers; Directly or indirectly accepting and collecting the lender's funds; Provide guarantee to the lender or promise to protect capital and interest; Promote or recommend financing projects to non-real-name registration system registered users; Granting loans, unless otherwise stipulated by laws and regulations; It is forbidden for P2P to split the term of financing projects.
Except as permitted by laws, regulations and regulatory provisions related to peer-to-peer lending, any form of mixing, bundling or agency with investment, agency sales, promotion, brokerage and other businesses of other institutions; Providing information intermediary services for borrowing and investing in the stock market; Engaging in equity crowdfunding, in-kind crowdfunding and other businesses are other activities prohibited by laws and regulations and regulatory provisions related to peer-to-peer lending.