(Peer-to-peer )

A financial model in which an individual lends money to someone in need of funds through a third-party platform (a P2P company) for a certain service fee.There are two types of this model:

1, purely online model:

Advantages: Purely information matching. Help money borrowers and lenders to better match funds

Disadvantages:

This online model is not involved in the guarantee.

2, debt transfer mode (the platform itself first lending, and then put the debt to the platform for transfer)

Price: clearly allows enterprises to improve the efficiency of the financing end;

Disadvantage: easy to appear pool of funds can not give full play to the efficiency of the funds.

2, P2C

(Production-to-Consumer )

Goods and customers, the products from the producer directly to the hands of the consumer, there is no transaction in the middle. This is called life service platform in China.

1) P2C model: real estate, catering, dating, housekeeping services, ticketing, health, medical, health care and other aggregated on the platform to achieve e-commerce in the service industry.

2 P2C specific performance: merchants through the Internet to carry out business activities, the possibility of such business activities has always existed, with the development of the platform of Internet technology, and gradually penetrate the small and medium-sized enterprises.

3, O20

(Online-to-Offline )

Combine the opportunity of offline commerce with the Internet, so that the Internet becomes the front of offline transactions.

1 Advantage: Enjoy online preferential prices and offline personal service; Perfectly combine the advantages of online and offline; Realize the landing of the Internet; Can realize the alliance of different merchants.

2 The core of the marketing model is the online prepayment, which marks the finalization of a certain consumption, and is the only reliable assessment standard for consumption data. For Internet companies providing online services, users can only benefit from this if they pay online.

4, B2C

(Business-to-Customer )

1 is based on the network retail industry, with the help of the Internet to carry out online sales activities, direct sales of products and services to consumers, through the Internet to provide customers with a new shopping environment.

2 The website consists of three parts: an online shopping place; a delivery system; a customer identification system and a bank for loan settlements.

5, B2B

(Business-to-Business )

1 refers to the business-to-business marketing relationship, through the rapid response of the network, to provide better service to customers, thereby promoting business development.

2 B2B three elements: buy and sell, quality and cheap goods; cooperation, with logistics companies; service, quality service to realize another transaction.

6, C2C

(Consumer-to-Consumer )

1, refers to electronic commerce between individuals. Consumers become C2C e-commerce when they sell an item to another consumer with the help of a connected device that transacts over the Internet.

2, C2C components: seller an electronic trading platform provider - buyer.

7, OTC (Over The

Counter )

Over-the-counter (OTC) market, refers to the securities trading market outside the stock exchange. OTC does not have a fixed, centralized trading venues, but by a number of independent securities business institutions to carry out transactions, and mainly rely on the telephone, telegraph, fax and computer network contact transactions. Computer network contact transaction.

8, PMI (Purchase

Management Index )

Purchasing Manager's Index (PMI). PM|is a set of monthly released, comprehensive system of economic monitoring indexes. PMI is a monthly survey of purchasing managers summarized indexes, reflecting the trend of the economy.

9, MBO (Management

Buy-Outs )

that is, the abbreviation of "management buyout". That is, the target company's managers or managers to use external financing capital to buy the company's equity, so as to change the company's ownership structure, control structure and asset structure, in order to achieve the reorganization of the company and obtain the expected benefits of a takeover. After the completion of MBO, the former managers become today's shareholders.

10, CPI (Consumer

Price Index )

Consumer Price Index, abbreviated as CPI, is based on the prices of products and services related to the lives of residents statistical price change indicators, usually as an important indicator to observe the level of inflation. It is a popular economic indicator in financial markets.

11, PPI (Producer

Price Index )

Producer Price Index (PPI), a measure of domestic producers of products (on average) prices. pp rise, that is, the enterprise's production price index rose.

12, VC (Venture

Capital )

that is, venture capital, choosing the right venture capitalist is very important for startups. The legal structure of a VC fund is in the form of a limited partnership, and the VC firm manages the fund's investment operations as a general partner and receives compensation accordingly.

13, IPO ( lnital

Public Offerings )

Initial Public Offering (IPO) is the first time a company (issuer) sells its shares to the public (Initial Public Offering (IPO) is the first time that a joint-stock company makes its first public offering to the public). Usually, the shares of a public company are sold through brokers or market makers in accordance with the terms agreed in the prospectus or registration statement issued by the corresponding securities association. Generally, once the initial public offering is completed, this company can apply to be listed and traded on a stock exchange or quotation system.

14. PE (Price

to Earnings ratio )

Price-to-earnings ratio, which refers to the ratio of a stock's price to its earnings per share over an examination period (usually a 12-month period). Investors usually use this ratio value to estimate the investment value of a stock. Generally, the reciprocal of the price-to-earnings ratio is the return on investment.

15, PB (Price to

book ratio )

Price to book ratio, which can be used for investment analysis, refers to the ratio of the share price per share to the net assets per share, price to book ratio = stock market price / net assets per share.

16, capital market

refers to securities financing and operating more than one year of medium- and long-term funds borrowing and lending financial markets. The money market is the financial market that operates the short-term capital financing within one year, the demand for funds through the capital market to raise long-term funds, through the money market to raise short-term funds.

17, the stock

is a joint-stock limited company in the capital raising share certificates issued to the contributors. Shares represent the ownership of its holders (i.e., shareholders) of the joint-stock company. It has the following basic characteristics: non-repayable, participatory, yielding (shares are often treated as a preferred investment during periods of high inflation), liquidity, price volatility and risk.

18, bonds

1) the government, financial institutions, industrial and commercial enterprises and other institutions directly to the community to raise funds by borrowing, issued to the investor, the commitment to pay interest at a certain rate and repayment of principal according to the agreed terms of the certificate of indebtedness.

2 The essence of the bond is a certificate of debt, with legal effect. The bond buyer and the issuer is a debt relationship, the bond issuer is the debtor, investors (or bondholders) that is the creditor. The most common types of bonds are fixed-rate bonds, floating-rate bonds, and zero-coupon bonds.

19, bank non-performing assets

Banks' non-performing assets are also often referred to as non-performing claims, the most important of which is non-performing loans, refers to the customer can not return the principal and interest on time and according to the amount of the loan. In other words, loans issued by the bank cannot recover the principal and interest at the pre-agreed term and interest rate.

20, Primary Market

The primary market is the financial market in which a company or government agency that raises capital sells its newly issued securities, such as stocks and bonds, to initial purchasers. In other words, a company raising capital by issuing new securities is a primary market transaction. The funds raised from the sale of securities become new capital for the company. The primary market is primarily a transaction between issuers and underwriters.