Why college students should know about P2P vs. crowdfunding

P2P and crowdfunding are the knowledge that needs to be understood at this stage, and I can only say that this industry is very hot.

Now it's not why college students should know about P2P and crowdfunding, it's that the whole people have to understand, but many people in the whole people don't have a knowledge base to understand, so why don't you college students understand? Don't care about the current economic issues?

P2P is an abbreviation for peer-to-peer"(status, ability, etc.) equal"、"Colleague"with"Partners"and other meanings. In this way, P2P can also be understood as:"Buddy to buddy"Peer-to-peering, or peer-to-peer, is a type of Internet Finance (ITFIN) product. P2P connects people directly and allows people to interact directly through the internet.

P2P makes communication on the network easier, more direct sharing and interaction, truly eliminating middlemen, and providing greater convenience for businesses and individuals.

Crowdfunding, that is, mass fundraising or crowdfunding, translated as crowdfunding in Hong Kong and crowdfunding in Taiwan. It is composed of promoters, co-investors, and platforms. It has the characteristics of low threshold, diversity, relying on the power of the public, and focusing on creativity, and refers to the behavior of raising funds from the masses to support the individuals or organizations that initiate them.

Generally speaking, sponsors and proposers are connected through online platforms. Crowdfunding is used to support a variety of activities, including disaster recovery, private fundraising, election campaigns, start-up fundraising, art, free software, design and invention, scientific research, and public projects. According to the Massolution research report, the total global funds raised in 2013 have reached 5.1 billion US dollars, of which 90% are concentrated in the European and American markets.

The World Bank reports that the total amount will exceed $96 billion by 2025, and Asia's share will grow significantly.

As the first-class chain investment and financing platform that has just been launched, the P2P platform of Kirin Tongbao is a leader in the industry and is worth learning from a college student.

The risks are relatively large.

1. The borrower's choice is different: the project initiator of crowdfunding must first show his own product and his own project creativity to the greatest extent before he can pass the platform's review, while the P2P platform attaches more importance to the borrower's qualifications that can prove his ability to repay.

It is essentially the same as the early crowdfunding campaigns, that is, the purpose of raising funds is achieved through public participation. P2P financial management is a loan between individuals, with the company as an intermediary to connect the borrower and the borrower to achieve their respective lending needs.

3. Different returns: If crowdfunding wants to obtain financing, it depends on whether the project launched can be attractive in the early stage. If the financing is successful, the investor will receive a corresponding return.

P2P online loan borrowers want to obtain financing, depending on whether the interest returned to the investor is not attractive enough, if the financing is successful, the borrower will agree with the investor for a certain amount of time to borrow.

Crowdfunding. It refers to the mode of raising project funds from netizens in the form of **+ pre-order. Crowdfunding leverages the nature of the Internet and SNS to allow small businesses, artists, or individuals to showcase their ideas to the public, gain their attention and support, and then get the financial assistance they need.

Modern crowdfunding refers to the publication of fundraising projects and raising funds through the Internet. Compared with traditional financing methods, crowdfunding is more open, and whether or not you can obtain funds is no longer based on the commercial value of the project. As long as it is a project that netizens like, they can get the first fund for the start of the project through crowdfunding, which provides unlimited possibilities for more people who operate or create with a small capital.

P2PP2P lending refers to a financial model in which individuals provide small loans to other individuals through a third-party platform (company) on the premise of charging a certain service fee.

The P2P micro-lending financial model is a network platform in which a qualified online credit company (third-party company, **) is used as an intermediary platform to provide information release and transaction realization with the help of Internet and mobile Internet technology, so as to connect borrowers and lenders to achieve their respective lending needs. In the process of lending, information and funds, contracts, procedures, etc. are all realized through the network, which is a new financial model that has been developed with the development of the Internet and the rise of private lending, which is also the development trend of financial services in the future.

The P2P platform is for the purpose of charging fees from both parties or unilateral parties for profit or earning a certain interest margin for the purpose of profit, and is subject to the monitoring of relevant national policies.

P2P wealth management originates from P2P lending, which is a financial management model that aims to be carried out by the P2P platform and is a debt financial management model that is parallel to equity investment and financial management.

The essence of P2P is a person-to-person transaction model, and the essence of crowdfunding is to raise project funds from netizens in the form of ** plus pre-purchase.

P2P wealth management is a way to attract investment through the issuance of investment projects through P2P platforms, and P2P platforms often have certain self-owned funds to support their business; Crowdfunding, on the other hand, mainly relies on publishing fundraising projects on the Internet to attract financial support.

P2P is mainly based on investment and financial management to obtain income, and crowdfunding mainly focuses on projects and products.

P2P is aimed at enterprises and individuals with capital needs, mainly for the public to invest and manage money, and meet the needs of users with certain economic ability. Crowdfunding also has a role in this regard, but it is mainly to call on the public to participate in investment as the project initiator, and the later return is the main manifestation of crowdfunding.

P2P financial management, the main requirement of the platform borrowing project is the borrower's repayment ability, while the crowdfunding financial project is that the creativity of the project must reach the level of display before it can pass the review, so there is a clear difference between the two in operation.

My understanding is that P2P should belong to crowdfunding. Crowdfunding can be a diversified product, and P2P is currently limited to monetary projects, such as real estate mortgages, vehicle mortgages, etc.

P2P private wealth management and lending. Risk control is the guarantee for the steady development of P2P, when choosing a financial platform, it is necessary to see whether the platform has strict risk control strength to ensure the safety of investors' funds, and only a platform with strict and sound risk control can reduce the investment risk of investors.

As the pioneer of "Internet + Finance" in Hulunbuir City, Inner Mongolia, it is a professional online lending information intermediary service platform, which is committed to providing one-stop financial services such as information consultation and loan matching for borrowers with capital needs and lenders with idle funds through the integration of Internet technology and financial services. With its own technical advantages, risk control strength and professional operation and management team, 24-hour Finance has created a standardized development model of the "enterprise loan + housing loan + car loan" market, and has become an industry leader in Hulunbuir, Inner Mongolia after years of compliance operation and steady development.

The mode is different.

The concept of P2P means:"Person-to-person"。The typical model is that the online credit company provides a platform, and the borrower and the borrower bid freely to match the transaction.

The lender of the funds receives interest income and assumes the risk; The borrower of the funds repays the principal when due, and the online credit company charges an intermediary service fee.

Equity crowdfunding refers to the transfer of a certain percentage of shares by a company to ordinary investors, who obtain future income by contributing capital to the company. This model of financing based on Internet channels is called equity crowdfunding.

Object-oriented is different.

P2P is aimed at enterprises and individuals with capital needs, and the funds are mainly used for production or consumption, and are aimed at customers with certain economic capabilities.

Crowdfunding also has this function, but some companies also call on the public to participate in product development and promotion as project initiators in order to strengthen user communication and experience, so as to obtain better market feedback and provide convenience for creatives and entrepreneurs. Comparing the two, P2P is more"Specialized", crowdfunding more"Wide"Users can choose the appropriate financing channel according to their own needs.

Earnings and cycles are different.

The annualized return of the P2P online lending industry is basically between 9% and 14%, and the cycle is generally 1-12 months. The advantage is that the liquidity of funds is better, and investors can make full use of funds and reasonably allocate them for the next round of investment. In addition, P2P investment has a higher return in the industry than other types of wealth management.

At the same time, it is easy to operate, and investors only need to wait for the maturity to obtain income after investment.

In terms of equity crowdfunding, enterprises need funds to publicly disclose a certain percentage of shares to investors through the platform, and investors can obtain future benefits by contributing capital to the company. As the company grows, the benefits will be different depending on the shares. In general, equity crowdfunding is highly profitable, but it is also risky.

The P2P market is relatively chaotic, and the core difference between equity crowdfunding and P2P is reflected in the final form. Debt crowdfunding is debt, and the equity market is much larger than debt. From a certain point of view, equity can be infinitely enlarged, and additional shares can be issued continuously; But debt financing, this is limited, two, three, ten, it is impossible to scale it indefinitely.

P2P bar, equity crowdfunding projects are uncontrollable, and investors are required to have a professional vision, whether a project can be successful, is determined by many factors, and most of the entrepreneurial projects can not be successful. If you invest in Asuka Finance, the income is solidified, which is very good.