P2P refers to 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. Generally, P2P platforms charge fees from both parties or unilaterally to make profits or earn a certain interest margin to make profits.

Private fund managers set up private funds by raising investors' funds, and invest in the investment targets agreed in investment contracts such as stocks, equity, bonds, futures, options and fund shares through private funds, so as to realize * * * to enjoy the benefits and * * * to bear the risks.

Second, private equity funds and P2P have different requirements for qualified investors.

At present, there is no clear and unified threshold for P2P platforms, and the investment threshold of most platforms is very low, ranging from several thousand yuan to tens of thousands of yuan. Even many domestic P2P platforms are 1 yuan investment. In the United States, P2P is called a bank for the poor.

However, 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.

Finally, China Asset Management Association pointed out that compared with P2P, private equity funds have stricter and clearer requirements in terms of investment threshold, investment quantity, publicity methods and income. The raising, investment, management and withdrawal of private equity funds are all subject to the Interim Measures for the Supervision and Administration of Private Equity Funds. When investing in private equity funds, if it is found that private equity fund managers raise funds from investors in the form of "P2P", then the fund managers may be involved in illegal fund-raising.