P2P, or peer to peer, is a person-to-person lending model, that is, P2P platform acts as an intermediary to help borrowers and borrowers match their needs, so that they can reach a loan agreement, and the platform collects service fees from it.

A2P, a business model called A2P by some domestic online lending platforms mainly engaged in the transfer of financial leasing claims, is called A2P(Asset to Peer) by industry experts, which focuses on asset trading, revitalizes high-quality assets and broadens investment channels. The platform explained that this model involves the subscription and transfer of both leasing companies and investors on the online lending platform. The platform itself does not participate in transactions, but only provides services.

Private equity fund refers to investing in any kind of equity assets that cannot be traded freely in the stock market. Passive institutional investors may invest in private equity investment funds, which are then managed by private equity investment companies and invest in target companies. Private equity investment can be divided into the following categories: leveraged buyout, venture capital, growth capital, angel investment, mezzanine financing and other forms. Private equity investment funds generally control the management of the companies they invest in and often introduce new management teams to enhance the company's value.