1. belongs to a kind of internet financial products, belongs to private micro-lending, and is an online credit platform with the help of Internet and mobile Internet technology, as well as related financial management behaviors and financial services. It is a new financial model developed with the development of internet and the rise of private lending, and it is also the development trend of financial services in the future.
2. Peer-to-peer microfinance is a business model, which gathers a very small amount of money and lends it to people who need it.
3. Lenders and borrowers form a lending relationship through p2p online lending platform. The provider of online lending platform only provides media services and does not assume guarantee responsibility. If the p2p online lending platform provider explicitly provides a guarantee for the loan or has other evidence through web pages, advertisements and other media, the people's court may, at the request of the lender, judge the p2p online lending platform provider to assume the guarantee responsibility.