Peer-to-peer lending refers to the peer-to-peer lending platform of Internet finance, which is a private micro-lending model that gathers small funds and lends them to people who need funds. 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. In mid-June, 2020, 5438+065438+ 10, the actual P2P online lending institutions in China were completely zero.

There are many ways to borrow money online, and it is best to choose a formal platform when handling loans. After handling the loan through these platforms, it should be returned in time, and there can be no overdue situation. Because there will be penalty interest after the deadline, the longer the time, the more penalty interest, and the heavier the burden of subsequent repayment.

Loans handled on the formal platform will be uploaded to the credit information center after the deadline, which will lead to poor personal credit information and affect the handling of various loans, such as car loans or mortgages. Moreover, after the arrears are returned, this overdue record will continue to be kept for 5 years, and will automatically disappear after 5 years.

Borrowing money online, the amount will not be too high, and the interest paid will be more. At this time, in order to avoid interest expenses, users can borrow money from friends around them to avoid interest expenses. If the loan amount is large, you can apply for a loan directly from the bank at this time, but you need to meet certain conditions.

What does p2p mean?

P2P is the abbreviation of English peer-to-peer, which means person-to-person. Most of the explanations are that P2P is a network financial model. This is not wrong in most cases, but it only focuses on internet finance, but actually does not really understand the essence of P2P.

Peer-to-peer peer-to-peer lending, also known as Peer-to-Peer peer-to-peer lending, is a folk model that gathers small amounts of funds and lends them to people who need them. A financial model in which individuals provide certain service fees to other individuals through a third-party platform (P2P company).

But in fact, P2P is not limited to the field of Internet finance, but permeates many aspects of the Internet. Peer not only refers to individuals in English, but also emphasizes the equality of ability and status between people. In other words, peer-to-peer status is the core of P2P. This feature is reflected from the network topology to the cultural field it produces. Some western scholars believe that P2P is the fundamental feature of the Internet, which is essentially different from the top-down mode of mass communication, turning the professional stage into a platform for everyone to participate.

What does p2p loan mean?

P2P lending refers to direct lending between individuals through the network (usually a special website). Generally speaking, the so-called individual here is an individual (natural person), but the borrower can be an individual or an enterprise. It is a personal lending behavior based on the Internet concept and independent of the formal financial institution system. Legal policy on P2P platform: it is clear that the intermediary platform itself shall not provide guarantee, engage in fund pool and illegally absorb public deposits.

What does p2p mean?

1. What does p2p mean?

1, 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.

2.P2P finance refers to small loan transactions between individuals. Generally, it is necessary to use the e-commerce professional network platform to help borrowers and borrowers establish loan relationships and complete relevant transaction procedures. Borrowers can publish loan information by themselves, including the amount, interest, repayment method, time, etc., to realize self-help loans; According to the information released by the borrower, the lender decides the loan amount by itself to realize self-help lending.

3.P2P is the most popular Internet financial platform at present. Simply put, individuals connect with each other through the platform to meet the needs of both parties.

For example, A has the need to borrow money, but can't find a suitable person to borrow it, so it posts this demand on the platform. B has extra spare money and wants to have better income, so he invests through the platform.

What the platform does is to finally match the two through the needs of A and B, and B lends it to A, and the platform guarantees it. A should bear a certain loan interest, and B can earn a certain loan interest. This is the P2P that everyone talks about the most.

Second, P2P finance.

1, origin

Dr Yunus, winner of the Nobel Peace Prize in 2006, believes that modern economic theory is flawed in explaining and solving the poverty problem. Therefore, he founded Grameen Bank in 1983. Through the development of unsecured micro-credit business and a series of financial innovation mechanisms, it not only created profits, but also lifted thousands of poor people, especially women, out of poverty and achieved a win-win situation for the poor and the poor. Grameen Bank has become an example for more than 100 countries and a benchmark for profit and public welfare.

2. Development

Foreign development

From June, 5438 to October, 2005 10, American PROSPER further refined and innovated this idea, and established a PROSPER network platform, so that people with surplus funds can provide loans to those who need loans through PROSPER and charge a certain interest. From February 2006 to October 29, 2009 10, the loan amount through PROSPER was about 654.38+0.25 billion yuan, and the overdue repayment rate for more than three months was only 2.83%. 20 10,10 On April 6th, PROSPER announced the completion of the fourth round of financing14.7 million USD. So far, PROSPER's total financing has reached $57.7 million.

Domestic development

For a long time, the financing needs of small and micro enterprises in China have never been met from indirect financing channels such as banks, which also provides space for the development of domestic P2P financial platforms. In just a few years, P2P finance has grown from scratch in China, showing strong development potential, and even allowing foreign institutions to come to China to learn from it bluntly.

3. What is the sales model of 3.p2p products?

1. Many people say that the sales model of p2p products is like pyramid schemes, and P2P online lending platforms appear like mushrooms after rain. At present, there are about 400 online transactions, and hundreds more are in the debugging stage. As an emerging market, it is natural to compete for land. Whoever has a big territory is the boss.

2. As an innovative personal financial lending method, P2P financing has more opportunities than traps. Therefore, investors can try this financial management method appropriately, but we should keep in mind three points: First, don't "register" the investment just for high return and high yield. Second, don't pour out all your money, invest all your money in a project or a company.

This concludes the introduction of what is p2p loan business and what is p2p platform. I wonder if you have found the information you need?