Port communicationMany people confuse microfinance companies and p2p lending platforms，Then let Hong Kong Xintong take you to understand the difference between the two。Difference 1：The nature of the enterprise is different。P2P lending platforms mainly play the role of "intermediary"，It mainly provides relevant services and information to lenders and borrowers。A small loan company is a limited company or joint-stock company that operates small loan business.，It does not play an intermediary role。Difference 2：Different modes。
Most P2P lending platforms are purely online service models.，However, small loan companies use offline lending models.。Difference three：Borrowing interest rates vary。P2P lending platforms act as “intermediaries”，The money borrowed by the borrower comes from the lender，So for this model，Generally lower interest rates。All the money lent by small loan companies comes from shareholders，Generally speaking, its interest rates are relatively high，However, the specific interest rate can also be negotiated with the small loan company.。
Difference four：P2P lending platforms will charge a certain service fee，Small loan companies generally only charge interest。Difference five：Small loan companies need to apply for operating qualifications from relevant departments，However, P2P lending platforms do not have this requirement.。The guidance from financial regulators clearly stipulates，The balance of funds borrowed by a small loan company from banking financial institutions shall not exceed 50% of its net capital。
In addition to the difference，There is also a certain connection between the two，That is a good complement to the shortcomings of traditional financial institutions.，For example, banks are deficient in short-term loans，Microfinance companies and P2P platforms meet this need very well.。also，Just in terms of the amount of funds，Both facilitate the turnover of small amounts of funds.，Generally, large amounts of funds do not involve much，Among them, businesses using cars as collateral are more common.，This is also the current industry practice。
Although there are many differences between P2P lending platforms and small loan companies，But they are all private loans，The objects they serve are basically small and medium-sized enterprises or individuals.，So they are a beneficial complement to banks，Promote the rational allocation of capital from another level。at the same time，As an organization serving small and medium-sized enterprises and individuals，Small loan companies and P2P platforms have played a significant role in promoting the development of the real economy.。
If you still need to know more about this，欢迎你随时来咨询港信通-！
About Hong Kong Xintong
Hong Kong Xintong focuses onGuangdong and Hong Kong license plates、Shenzhen Hazardous Chemicals Business License、Shenzhen labor dispatch licenseandShenzhen Charity Foundationapplication services，Assist customers to applyShenzhen travel agency business license、Shenzhen pawn shop business license、Shenzhen auction house license and other mainstream domestic financial licenses，Support enterprises to achieve compliance expansion of cross-border financial business。Also availableODI overseas investment registration、International travel agency registration and other services，Help enterprises expand their presence in international markets。Provide one-stop compliance solutions for enterprises。To learn more，Please contactHong Kong Information Communications Consultant。
