P2B belongs to the fixed income category, focusing on security and stability. Generally, the annualized income of P2P is about 6~ 15%, while the income range of P2B is generally stable at 8~ 10%. Because the borrowers of P2B are enterprises, there are few cases of persistent bad debts, and the terms of P2B platform are stricter than those of personal loans (generally 1. The investment threshold of this model is not high, and the entry generally ranges from several hundred to several thousand yuan, which is more suitable for novice investment. It is recommended that P2B Baidu search for the number one platform unbounded wealth (monthly turnover of 4000w+, four-year platform, good reputation, stable repayment and quick withdrawal).