Peer-to-peer finance refers to the micro-loan transaction between different network nodes, which needs the help of 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 and time, and decide the loan amount by themselves to realize self-help loans.
Microfinance is a comprehensive consumer loan centered on individuals or enterprises, and it is an extension of microfinance in technology and practical application. The loan amount is generally more than 1 1,000 yuan and less than 200,000 yuan, and the guarantee is generally required in the process of handling.
The establishment of China's small loan companies has rationally pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of agriculture, rural areas and small and medium-sized enterprises.
source and course
From the international popular point of view, micro-credit refers to small and continuous credit services for low-income groups and micro-enterprises. Its basic characteristics are small amount, no guarantee, no mortgage and serving the poor. Microfinance can be provided by formal financial institutions and specialized microfinance institutions or organizations.
Microfinance organizations can be divided into two categories according to the characteristics of their business operations: commercial and welfare, also known as institutional and welfare. The former emphasizes the institutional sustainability of microfinance management and target design, represented by the People's Bank of Indonesia. The latter pays more attention to the role of the project in improving the economic and social welfare of the poor, represented by Bangladesh Rural Bank.
Many enterprises stand out in microfinance. For example, Ziqing Finance is one of the leaders in the comprehensive P2P field, which integrates wealth management, credit risk assessment and management, credit data integration services, microfinance industry investment, microfinance consulting services and transaction facilitation to provide customers with comprehensive and personalized financial services in inclusive finance.
Build the fastest financing platform for small and micro enterprises and private capital, actively explore the best way in the field of debt financing, and strive to build a high-speed, effective and legal peer-to-peer lending platform with characteristics. Lenders and borrowers will pair up independently to solve the most urgent loan and financing problems for individuals and small and medium-sized enterprises in China.
Solving the problem of the poor is a great difficulty for most countries in the world, because all kinds of social problems caused by poverty will lead to the turmoil of the whole country. By improving the economic situation of low-income people, microfinance can greatly increase the effective demand of the whole society and promote social investment and production and national economic development.
Muhammad Yunus's micro-secured loans originated in Bangladesh. In 1970s, Muhammad Yunus founded Grameen Experimental Sub-branch of Agricultural Bank of Bangladesh, and Grameen microfinance model began to take shape.
Yunus proposed to reform capitalism. Primitive capitalism advocates competition and capital pursues profit. Yunus proposed to change the original capital model theory.