Non-standard assets refer to non-standard creditor's rights assets that are not traded in the interbank market and the stock exchange market, including but not limited to credit assets, trust loans, entrusted creditor's rights, acceptance bills, letters of credit, accounts receivable, various beneficial rights, equity financing with repurchase clauses, etc.

Non-standard assets occupy a very important position in China's financial system, with relatively high cost performance and safety factor. The reason is that the generation of non-standard assets has to go through a series of comprehensive packaging by professionals and professional institutions, such as due diligence, risk control monitoring, design specifications and so on. , product transparency is higher, standardization is stronger, and market bargaining power is stronger.

However, compared with the common lending projects in P2P online lending industry, non-standard assets projects are more professional and difficult for the general public to understand. In addition, the legal system of non-standard assets is complex and the cash flow of funds is irregular.

The investment threshold is high, the investment cycle is long, and the mature trading market in China has not yet formed, so that most investors are afraid of such investment targets. For the low investment threshold and high liquidity investment goal expected by the public, non-standard assets projects are obviously difficult to achieve.