Difference 2: the nature of the company is different. In the whole lending relationship, P2P loan companies do not participate in any capital transactions, but only as an intermediate relationship, so borrowers and investors are linked together to provide them with corresponding services. However, small loan companies are different. Their main business is to provide all kinds of small loans to attract a large number of borrowers to come to the loan.
Difference 3: The charges are different. P2P loan companies only act as intermediaries, so they will charge top service fees to investors and borrowers, while microfinance companies only charge corresponding interest.
Difference 4: The interest rates are different. The lending funds of P2P lending companies are all from investors, which is a person-to-person service, so the interest rate is relatively low; The loan funds of microfinance companies are all from shareholders, so the interest rate is relatively high.