In online P2P lending, individual (and, lately, institutional) investors provide funds that can be lent out to individual borrowers, without involving a traditional financial intermediary. Loans can range from CN¥100 ($16) to CN¥1 million, and target small and medium-size enterprises (SMEs), as well as individual borrowers, that currently struggle to access credit through traditional institutions.
在在线P2P贷款中，个人（以及越来越多的机构）投资者提供资金，这些资金可用于贷款给个人借款人，而不需要传统金融中介的参与。贷款规模从100元到100万元不等，贷款目标是目前难以通过传统机构获得信用的中小企业以及个人借款人。