The emergence of P2P loans has a certain relationship with the financing difficulties of domestic small and medium-sized enterprises, especially small and micro enterprises. It is difficult for small and micro enterprises to apply for loans from banks, and some small and micro enterprise owners have great complaints about banks. Even in the case of loose monetary policy and active encouragement from relevant government departments, it is still difficult for SMEs to apply for loans from banks, and the space for SMEs in bank loan business is getting smaller and smaller.
Extended data:
P2P online lending platform belongs to private lending because it has no loan license. Borrowing funds often go in and out through the personal account or company account of the founder of the website. Generally, the daily deposit of a large-scale P2P platform is as high as three to five million yuan, which has laid a hidden danger for the platform to misappropriate users' funds or even abscond with the money.
P2P platforms all choose to cooperate with third-party payment platforms, and its capital flow mode is that funds are collected on the platform, that is, the third-party payment platform opens a company account for P2P companies, and the lender's money is first credited to the company account, and then the P2P website gives the money to the lender. This model is actually no different from the bank account that directly enters the platform.
Only by introducing third-party fund custody can the risks in P2P fund circulation be reduced. When investors register on the platform, each user will open an IPS account on Huanxun. When the two parties trade through the platform, the money will be directly transferred from the lender's third-party payment account to the borrower's third-party payment account without going through the P2P platform.
Baidu encyclopedia -p2p loan