Depending on the market, the group of bill loans has turned to "p2p financing, that is, peertopeer, and borrowers and investors borrow money through p2p". There are two versions about it: zopa in Junos and Zopa in England, which are unknown. For example, bill financing is a derivative of p2p, and the bill lending platform is a new type of bill financing product with high security and yield. The pledge is an acceptance bill issued by the bank. Generally speaking, bank endorsement is safer.

2. Who proposed 2.p2p Internet finance?

P2P financial innovation was first put forward by Austrian economist joseph schumpete.

In addition, many banks, including hengfeng bank, China Merchants Bank, Lanzhou Bank and Baoshang Bank, directly participate in the risk control management of their P2P online lending platforms in different forms. The disadvantage of P2P in banking is mainly reflected in the low rate of return, and the expected annualized rate of return is between 5.5% and 8.6%.

It is slightly higher than bank wealth management products, but it is at a low level in the P2P industry and has limited appeal to investors. Moreover, many traditional commercial banks only use the Internet as a sales channel, and the innovation ability and market-oriented operation mechanism of P2P platform are not perfect.

The advantages of bank P2P mainly lie in:

First, sufficient funds and liquidity;

Second, the source of the project is high quality, mostly from the original small and medium-sized customers of the bank;

Third, the risk control ability is strong. Using the natural advantages of P2P banks, we can access the central bank's credit database through the banking system, and grasp the borrower's credit situation in a short time, thus greatly reducing the risk.

Third, our community P2P financing Zhejiang Canada loan proposed Tmall P2P community. What are the details?

This is mainly based on community service. Just like Baidu Tmall's community-based P2P financial management, it can maximize the integration of resources and control the risk of lack of credit. Neighborhood relations still play a very important role in the current community structure. This model can avoid risks to the greatest extent.

4. Which leader put forward 4.p2p?

Peer-to-Peer is a decentralized computer network structure, which was first proposed by DavidClark, a professor of computer science at new york University in the United States, in 1995, and became a part of the development trend of the Internet at that time. The popularity of P2P network began with the rise of Napster, Gnutella, eMule and other software around 2000. It is different from the traditional client/server system. There is no central server to transfer data and resources, but a large number of ordinary computers are interconnected to form a network to share data and resources. P2P technology has greatly changed the Internet architecture and data transmission mode, enriched users' online experience, and become an important milestone in the history of Internet development.