P2P is a financial model in which individuals provide small loans to other individuals through a third-party platform and charge a certain fee.

Several key words can be extracted from this concept: "individual", "third-party platform" and "small loan".

"Individuals" represent P2P users, not only independent individuals, but also small enterprises, indicating that P2P is aimed at the public, unlike many traditional loans that only target large enterprises.

"Third-party platform" refers to the information released by a third party, which serves as a bridge between borrowers and wealth managers, implements unified operation of funds and provides security.

"Small loan" not only emphasizes that the amount of financial investment in P2P platform operation is small, that is, the participation threshold is low and everyone can invest, but also provides high interest rates that traditional microfinance does not have, highlighting its advantages over other models.