P2P borrowers are mainly individuals, mainly credit loans, with relatively high liquidity and relatively low default cost. Moreover, due to the high cost of credit review, the platform and audit institutions are required to be professional and control. If the real-time return visit and monitoring are not done well, the bad debt rate may be high;

On the other hand, P2C borrowers are mainly enterprises, with relatively fixed enterprise information and operation, stable cash flow and repayment sources, easy information verification, and the default cost of enterprises is much higher than that of individuals.

P2P generally takes the form of credit loans, and now some have joined the mortgage and guarantee;

P2C, on the other hand, requires that there must be guarantee and mortgage, which is relatively better in security. In addition, all projects of P2C Company are guaranteed by large financing guarantee companies. In the event of bad debts or delayed repayment, the guarantee company will advance funds to investors, and the risk of investors is relatively small.

Satisfied adoption, thank you!