1. online lending, mbth is Internetlending, and p2p online lending is short for online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.
2. Attribute of online loan: online loan belongs to bond investment, with clear income, and the fund lender obtains interest income; However, the public often confuses it with equity crowdfunding. Equity crowdfunding is an equity investment with flexible income. Investors get future income through investment companies, such as Beijing North Crowdfunding, 36Kr, etc., all of which belong to equity crowdfunding platforms. Whether it is bond investment or equity investment, there are certain risks. Investors should fully understand the risks, have sufficient knowledge and mental preparation for taking risks at their own risk, and judge and bear the risks of the project on this premise.