P2P mode refers to P2P finance, also called P2P credit, which is a kind of Internet finance (ITFIN). It means: point-to-point.

Peer-to-peer finance refers to small loan transactions between different network nodes (usually individuals). It needs the help of e-commerce professional network platform to help borrowers and borrowers establish loan relationships and complete relevant transaction procedures. Borrowers can publish loan information by themselves, including the amount, interest, repayment method and time, and decide the loan amount by themselves to realize self-help loans.