P2B Challenge Peer-to-peer?

In the 2015 forecast for the Internet financial industry, commentators have long suggested that "the 2015 will usher in the Internet financial shuffle period", and now the forecast has gradually begun to come true.

When collecting money, mango finance, crossing loans, hundred spring loans and other p2b-type Internet financial platform filed, capital, administrative departments, colleges and universities strongly support the time, P2B and Peer-to-peer these two similar to the Internet financial environment Brothers have begun to infighting, this is why?

It is undeniable that, according to the current situation, P2B already has the ability to become the Internet financial platform of the main mode, but peer-to-peer after all, is China's Internet financial development, the earliest kind of internet financial platform, also by the user and capital recognition, P2B challenge Peer-to-peer the emboldened? What is the difference between P2B and peer-to-peer? How will they provide Internet financial services to us in future?

What is the difference between P2B and peer-to-peer?

The reason why p2b the same as an Internet financial platform, the courage to challenge Peer-to-peer in the Internet financial field of authority, the most important thing is that it is both from the model, risk, and Peer-to-peer has the same kind of wonderful. They are a platform for the internet finance industry, providing a platform for connecting lenders and investors, mainly by charging commissions on transactions. And the difference needs to be considered in many ways.

The borrower's identity is different. P2B and Peer-to-peer wind control ability Competition

According to Baidu Encyclopedia of Interpretation, p2b refers to person-to-business, individuals (non-financial institutions) of a loan model of enterprises. And Peer-to-peer refers to the network loans, net loans, also known as point-to-point network loans, is a small amount of money gathered to lend to the needs of the population of a small private lending model. Peer-to-peer is the abbreviation of English peer to peer, meaning individual to individual.

From the two models of Baidu encyclopedia interpretation, we can find that: Peer-to-peer is a user-oriented lending platform, whether investors or lenders are individuals, individuals due to the number of larger than the enterprise, the threshold is also bigger than the enterprise factors, will greatly improve the relevant departments and related platform supervision team supervision difficulty, This can greatly reduce the risk of p2b investment. In contrast, Peer-to-peer network lending platform frequent escape of the important reasons, can not be separated from the individual rely on wage proof to be relevant agencies to levy credit, supervision more difficult, and thus improve the risk of Peer-to-peer platform investment.

P2B, is an individual enterprise-oriented Internet financial model. is a personal user to borrow money to invest in the future of the enterprise, to help enterprises solve the current financial problems, in the future to recover the investment principal and corresponding interest. Because companies from registration to operations, cost issues and regulatory oversight, so that a smaller number of companies than individuals, the threshold of internet finance is much higher than that of individuals.

Therefore, from the wind control capacity, most of the cases, p2b because it is mainly to help enterprises to obtain investment, peer-to-peer is mainly for individuals to obtain investment, because enterprises and individuals into the Internet financial threshold is very prominent, p2b risk control ability in most cases than peer-to-peer risk control ability.

Corporate lending is more demanding than individual size p2b and Peer-to-peer in corporate credit

According to a third party data disclosure shows that 2014 year round of Peer-to-peer industry turnover reached 329.1 billion yuan, and the collapse, run, difficulties, and other problems of the platform up to 287. The two figures grew by 268.83% and 282.67% respectively in 2013.

Although the entire Internet financial and peer-to-peer industry market size is constantly expanding, but as the amount of money involved, how to reduce the risk of the platform investment as far as possible, is the platform to please the key point of users.

With the development of Peer-to-peer platform running events, many Peer-to-peer platforms have also opened a relatively strict personal credit procedures, the borrower will be the corresponding fixed assets accounting, to ensure that investors have a greater degree of investment in the protection of the principal. In contrast, p2b as the Internet financial platform to help companies solve their financing problems, companies in most cases than the individual demand for loans will be greater, the scale of loans become more large, the borrower's fixed assets accounting and the borrower's credit work, become more critical.

So, as a platform to help businesses borrow, P2B will have a higher level of corporate credit than Peer-to-peer platforms? How to improve the credit ability of P2B platform? As the Mango financial choice and Hunan University in cooperation to set up the Hunan Internet Finance Institute, and Central University jointly set up mango Internet Financial Law Research Center for Mango Finance, providing academic, legal, financial support and protection of the same: in the maintenance of P2B platform with basic enterprise credit capability, P2B platform selection and social trust institutions, professional public trust institutions, professionals in the professional institutions to help the platform to complete the enterprise credit information, more transparent understanding of the borrower's corporate background and project background, will be conducive to the enterprise Financing scale comparative accounting, so as to protect the investment capital of individual investors to a greater extent, Reduce the risk of project investment.

Risk reduction: P2B challenges the biggest confidence in Peer-to-peer

From these p2b and the difference between the Peer-to-peer, because the P2B platform to serve the borrower is mainly enterprises, by virtue of the enterprise in the Internet financial lending to the high threshold, P2B platform's overall credit ability than Peer-to-peer platform overall credit capacity of higher problems. P2B not only from the perspective of investors can greatly reduce the risk of investment, from the borrower's identity, can be a new way of the internet to more convenient and cost-effective solution to the problem of capital.

As far as the development of P2B platform itself is concerned, as corporate lending is generally larger than the amount of money borrowed by individuals, the P2B platform will have an advantage over a peer-to-peer platform through investment trading commissions. Therefore, from the identity of the borrower to start and greatly reduce the risk of investment, so that bureaus letter ability, credit reliability, the platform has its own return, to help finance ability, has a challenge peer-to-peer. But as one of the earliest interests of the Internet financial platform, the borrower's borrowers are in a different market with the P2B, and they will become an essential part of the Internet finance industry in the future.