P2P is the abbreviation of English peer-to-peer (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.

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.

Extended data:

The Development Course of China:

In China, the earliest P2P online lending platform was established in 2006. In the following years, there were few domestic online lending platforms, and few entrepreneurs set foot in them.

Until 20 10, the online lending platform was valued by many entrepreneurs, and some water testers began to appear one after another.

20 1 1 Online lending platforms have entered a period of rapid development, and a number of online lending platforms have been actively launched.

In 20 12, online lending platforms in China entered an outbreak period, with more than 2,000 online lending platforms mushrooming, and hundreds of them were active. According to incomplete statistics, in only 20 12 years, the annual transaction volume of domestic online lending platforms for offline lending has exceeded10 billion.

In 20 13 years, online lending platforms flourished, and the online websites of 1-2 increased rapidly every day. The imbalance between supply and demand of funds caused by the substantial increase in the number of platforms gradually emerged.

References:

Baidu Encyclopedia -p2p