What is the difference between Internet financial financing crowdfunding p2p?

① Crowdfunding means that entrepreneurs launch their own crowdfunding projects through online tools such as WeChat, Weibo and Internet, or special crowdfunding websites, and quickly gather the funds, wisdom and resources of interested partners to achieve rapid rise. This is a typical financing mode of small private funds.

②P2P refers to small loan transactions between individuals. Generally, it is necessary to use the e-commerce professional network platform to help borrowers and borrowers establish loan relationships and complete relevant transaction procedures.

2. The difference between them

① The main starting points of investors are different.

Crowdfunding investors invest mainly out of "interest" and have a strong interest in the projects proposed by the sponsors. Everyone * * * raised funds to realize the expected idea.

Peer investors are more willing to choose projects with ideal returns for financial reasons.

② The main risks are different

As long as it is a project, it will certainly fail, and at the same time it will not achieve the expected results. In this case, investors who are supported by interests will bear the loss of spirit and property.

The biggest risk faced by P2P investors is to mistakenly enter some informal financial platforms, thus increasing investment risks.

③ Different threshold limits

The threshold of crowdfunding is lower than that of P2P, because crowdfunding can initiate projects, regardless of identity, status, occupation, age and gender, as long as there are ideas and creativity; However, the initiation of P2P projects needs to go through a series of tests such as repayment evaluation and company operation.

summary

Crowdfunding and P2P are not 100% safe, investment is risky, and platform selection needs to be cautious.