Private equity fund: Private equity fund is an investment tool that collects the funds of many investors to form independent property, and the fund custodian (usually a commercial bank) entrusts the fund manager to invest in the form of portfolio. It is a collective investment method with * * * returns and * * risks. In a word, investors give money to fund management companies, and fund managers raise funds for investment. Investors only need to regularly observe the fund's net performance.

P2P: the abbreviation of peer-to-peer, refers to the lending between individuals, which is essentially a lending behavior. Peer-to-peer financial management refers to the company as an intermediary, connecting borrowers and borrowers to realize their respective lending needs. Borrowers can be unsecured loans or secured loans, and intermediaries are generally a new financial management model that collects fees from both parties or one party or earns a certain interest margin for profit.

? laws and regulations

Private Equity Fund: One Law and Six Regulations, Securities Investment Fund Law, Interim Measures for Supervision and Management of Private Equity Fund, Measures for Registration of Private Equity Fund Managers and Fund Filing, Guidelines for Internal Control of Private Equity Fund Management, Measures for Management of Information Disclosure of Private Equity Fund, Measures for Management of Private Equity Fund Raising Behavior and Guidelines for Private Equity Fund Contracts.

P2P: Interim Measures for the Management of Business Activities of Personal-to-Personal Lending Information Intermediaries (Draft for Comment) and Interim Measures for the Management of Business Activities of Personal-to-Personal Lending Information Intermediaries.

? Investment threshold

Requirements for investors: Qualified investors of private equity funds refer to units and individuals with corresponding risk identification ability and risk-taking ability, and the investment amount of a single private equity fund is not less than 6.5438+0 million yuan and meets the following relevant standards: (1) Units with net assets of not less than 6.5438+0 million yuan; (2) Individuals whose financial assets are not less than 3 million yuan or whose average annual income in the last three years is not less than 500,000 yuan; P2P investment does not require the approval of qualified investors (there is no uniform requirement, and many platforms are 1 yuan investment).

Investment amount requirements: the minimum investment of a private equity fund is 1 10,000; On the same platform, P2P individuals are not higher than 200,000 yuan, and institutions are not higher than 6,543.8+0,000 yuan; Different platforms, individuals are not higher than 6.5438+0 million yuan, institutions are not higher than 5 million yuan.

Limit on the number of investors: for private equity funds and joint-stock company funds, the number of investors in a single fund cannot exceed 200; For partnership funds and limited liability company funds, the number of investors in a single fund cannot exceed 50; P2P has no limit on the number of investors.