1. A microfinance company is a limited liability company or a joint stock limited company established by natural persons, enterprise legal persons and other social organizations, which does not absorb public deposits and operates microfinance business. A company is an enterprise legal person, with independent legal person property, enjoying legal person property rights, and bearing civil liability for debts with all its property. The application procedure is simple and convenient, avoiding complicated evaluation and guarantee procedures.

2.P2P means person to person (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 belongs to a 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.

2065438+On September 4th, 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Loan Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System, supporting the operating P2P online lending institutions to access the credit information system. In mid-June, 2020, 5438+065438+ 10, the actual P2P online lending institutions in China were completely zero.

Reply time: 2020- 12-02. Please refer to the latest business changes announced by Ping An Bank in official website.

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