Finance:P2F

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Short description: Internet finance model
P2F
Chinese个人对金融机构[1]
IndustryInternet Finance
Other namesP2F model, P2F finance

P2F[2] (Chinese: 个人对金融机构[3]), also known as P2F model or P2F finance,[4] is a concept of Internet finance[5] with full name of person-to-financial institution products.[6] The term refers to the mode in which individuals connect with the products of financial institutions and quasi-financial institutions[7] through the Internet.[8]

In the term "P2F", "P" stands for "peer", and "F" stands for "financial institution"[9] or "financial asset".[10] P2F is gradually derived from the P2P model.[11] The representatives of P2F are Beevault,[12] and Yu'ebao (余额宝). [13]

Definition

P2F is a term of "Internet finance", which was coined in 2012[14] by Ping Xie and Chuanwei Zou.[15] P2F is a model in which individuals connect with the products of the financial institution[16] and quasi-financial institution[17] via the Internet.

P2F is an upgraded version of P2P.[18] Compared with P2P, financing objects of P2F are financial institutions and quasi-financial institution.[19]

References

  1. ↑ "P2F wealth management platform "Weifang Wealth" was launched". China News Service. 2015-03-06. https://finance.qq.com/a/20150313/065193.htm. 
  2. ↑ "China's Internet finance market in the first quarter exceeded 10 trillion yuan". Ta Kung Pao. 2015-05-26. http://finance.takungpao.com/q/2015/0526/3010529.html. 
  3. ↑ "Internet Finance in China: Market, Regulation and Law". Southern Metropolis Daily. 2018-06-16. http://epaper.oeeee.com/epaper/A/html/2018-04/19/content_22672.htm. 
  4. ↑ "Is P2F the final destination of P2P?". Nov 29, 2015. http://finance.eastmoney.com/news/1347,20151129570498354.html. 
  5. ↑ "China's bank wealth management income continues to fall". Ta Kung Pao. 2015-12-25. http://finance.takungpao.com/financial/q/2015/1225/3258932.html. 
  6. ↑ Zou Chenhui (2016-10-17). "Record of China's Internet Finance Growth". Southern Metropolis Daily. http://epaper.oeeee.com/epaper/H/html/2016-10/17/content_85406.htm. 
  7. ↑ "Taking a Peek at P2F". International Daily News. http://www.chinesetoday.com/qiye/licai/20201112/1605150635.html. 
  8. ↑ "China's social financing volume in the first half of the year totaled 9.1 trillion yuan". Ta Kung Pao. 2018-07-20. http://www.takungpao.com/finance/236134/2018/0720/191012.html. 
  9. ↑ Lee, Wo-Chiang (2018-09-15). "Comments on Internet Finance in Mainland China". Ministry of Justice Investigation Bureau. https://www.mjib.gov.tw/FileUploads/eBooks/f9e8b18a3b4b4b82aa3772b2412dfe02/Section_file/5a6fb51e5bb547c48865279982340aae.pdf. 
  10. ↑ "Piao Ju Ke received tens of millions of RMB financing". China Securities Journal. 2014-12-20. http://www.cs.com.cn/sylm/jsbd/201412/t20141220_4596264.html. 
  11. ↑ "Government regulation and platform self-discipline are two important aspects of the development of the financial industry". Xinhua News Agency. 2015-12-11. http://www.ah.xinhuanet.com/2015-12/11/c_1117429776.htm. 
  12. ↑ "P2F and Financial Innovation". Heze Daily. Dec 25, 2020. http://epaper.hezeribao.com/shtm1/hzrb/20201225/19150.shtml. 
  13. ↑ ""China Science and Technology Week" opens in Beijing". Cyberspace Administration of China. 2015-05-22. http://www.cac.gov.cn/2015-05/22/c_1115350416.htm. 
  14. ↑ Ping Xie; Chuanwei Zou; Haier Liu (14 December 2015). Internet Finance in China: Introduction and Practical Approaches. Routledge. pp. 1–. ISBN 978-1-317-26949-6. https://books.google.com/books?id=N5U0CwAAQBAJ&pg=PR1. 
  15. ↑ Ligang Song; Ross Garnaut; Cai Fang; Lauren Johnston (21 July 2016). China's New Sources of Economic Growth: Vol. 1: Reform, Resources and Climate Change. ANU Press. pp. 115–. ISBN 978-1-76046-035-8. https://books.google.com/books?id=aNEPDQAAQBAJ&pg=PA115. 
  16. ↑ "Housing Fund Management Center of the Central Government adjusts personal loan measures for state-managed provident fund". People's Daily. 2015-11-26. http://finance.people.com.cn/n/2015/1126/c70846-27860616.html. 
  17. ↑ "Differences between P2F and P2P". Ta Kung Pao. 2015-04-24. http://finance.takungpao.com.hk/gscy/q/2015/0424/2982000_print.html. 
  18. ↑ "Chinese government takes measures to strengthen the supervision of Internet finance". China News Service. 2015-06-30. http://www.chinanews.com/cj/2015/06-30/7375225.shtml. 
  19. ↑ "Will P2F become the successor to P2P?". China Daily. 2015-09-14. https://cnews.chinadaily.com.cn/2015-09/14/content_21851448.htm. 



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