The difference between P2P and decentralization

1. Decentralization is idealism. Although there is no decentralized P2P platform at present, with the development of blockchain technology, there is a high probability of decentralized peer-to-peer lending in the future
centralization has the advantage of centralization, which should not be too one-sided.

2. Hello, it's a great honor to be here to answer your question. The following are some of my views on this issue. If there are any mistakes, please point them out. Start all
and enter the column
almost every supporter of encryption start-ups has a trend, that is, to use the decentralized value of blockchain technology to sell their business fundamentals

in this paper, we will explain the differences between decentralized financial agreement business and traditional business:

we will mainly discuss two aspects:

1) what is the real meaning of defi

2) what are the types and main differences of defi platforms< Users of traditional financial systems often want to build a system that is easier to access, more transparent, lower transaction costs and less dependent on intermediaries. To build such a more equitable financial system, banks, loans and derivatives must undergo fundamental changes. In addition, a decentralized ecosystem, such as defi, is needed. It promotes P2P lending, eliminates centralized control, and provides users with financial freedom

recently, in the field of cryptocurrency, there are many discussions about defi. It provides financial services to the world: loans, derivatives and other procts. Moreover, the role of traditional financial intermediaries has weakened, or even failed to play a role. Proponents of a decentralized financial system see defi as a good alternative to traditional lending. Some have called it the future of borrowing

defi is built on public blockchains such as bitcoin network and Ethereum. It has become one of the "core drivers" on the Ethereum network. By using unlicensed distributed networks, the defi platform converts financial procts into untrusted protocols that can be accessed by anyone anywhere in the world. People who don't have an account in the bank can also use the defi solution to loan and borrow assets, as well as to trade with financial instruments

open source platforms provide users with great benefits, including transparency, cheap cross-border transactions, no credit checks and less censorship. Anyone can carry out financial activities because there is no geographical restriction<

the degree of decentralization of defi

in recent months, the introction of defi solutions has proliferated. They have different models and their degree of decentralization is also different. Compared with other models, some defi models have poor dispersion. This is because only a few of their components are decentralized, while the rest are still centrally controlled by the company

the establishment of agreement, non trust, price supply, determination of interest rate, provision of liquidity of margin call and start-up of margin call are the key components of defi agreement. They determine the degree of decentralization

if there are a large number of decentralized components, then the defi protocol is more decentralized than other models. Such a protocol will give users complete control over their digital assets and get rid of centralized control. So far, there is no single defi protocol that disperses all components

each defi protocol is assigned a category according to the number of distributed components:

centralized finance (cefi)

defi solutions are usually unmanaged, which means that users can control their funds and be responsible for their security. Instead, cefi is hosted. The central system is responsible for keeping the assets of users and ensuring the safety of users' funds

when it comes to loans or loans, users can't control any aspect of funds. The interest rate is determined by the central government, and the liquidity of margin call is provided by the central system or authorities. Cefi procts use centralized price supply, and it is also permitted to issue margin call. Thank you very much for your patience. If you have any help, please accept it. I wish you a happy life! thank you!

3. There are many stream processors. Just look at the specifications

4. I think the essence of a bank is a "credit intermediary", that is, when the bank receives the depositor's deposit, it owes it first, and then transfers it to the borrower. The interest difference in the middle zone is that the bank acts as a "super lender". In essence, it is the same as operating goods to earn the difference. No matter whether the borrower pays back the money or not, the depositor's money is owed by the bank itself and must be exchanged, Especially after the regular arrival, we naturally guarantee that we can pay it back at any time
the essence of P2P is "information intermediary", which is to do matchmaking business. It is to introce the lender (Investor) to the borrower. In fact, just like the second-hand housing agency, the standard mode is to introce each other instead of buying the house first and then selling it to the next family
financial asset trading center: it is a financial asset trading market engaged in the registration and transfer of credit assets and trust assets, the application of combined financial instruments and the innovation of comprehensive financial business. At present, China's major financial asset exchanges include Beijing financial asset exchange, Chongqing financial asset exchange and Tianjin financial asset exchange.

5.

There is no difference between ptwop and P2P

the two actually mean the same thing, which can mean both "indivial to indivial (partner to partner)" and "peer-to-peer online borrowing", that is, small funds are gathered to lend to people with capital needs. There is no difference between the two, just different names

P2P (or ptwop) is mainly divided into banking, listed companies, state-owned assets, private enterprises and venture capital

extended data

twelve prohibited behaviors of P2P

(1) use the Internet platform of the institution to finance itself or the borrowers with related relationships

(2) direct or indirect acceptance or collection of the lender's funds

(3) providing guarantee or undertaking to guarantee the principal and interest of the lender

(4) promote or promote financing projects to non real name registered users

(5) to grant loans, unless otherwise stipulated by laws and regulations

(6) split the term of financing project

(7) selling bank financial management, securities management, funds, insurance or trust procts

(8) to engage in any form of mixing, binding or agency with other institutions' investment, agency sales, promotion, brokerage and other businesses, except as permitted by laws and regulations and relevant regulatory provisions on online lending

(9) deliberately fabricating and exaggerating the authenticity and income prospects of the financing project, concealing the defects and risks of the financing project, carrying out false one-sided publicity or promotion with ambiguous language or other deceptive means, fabricating and spreading false or incomplete information, damaging the commercial reputation of others, and mistakenly deriving the loan or borrower

(10) providing information intermediary services for the purpose of borrowing to finance investment in the stock market

(11) engaging in equity crowdfunding, physical crowdfunding and other businesses

(12) other activities prohibited by laws and regulations and relevant regulations on online lending

6. It's no different. You can use digital currency. It has to be said that the difference is that traditional P2P is centralized and has the risk of running away. Defi is decentralized. Smart contracts are executed automatically. There is no risk of running away. The biggest difference is that the intermediary link is removed, and the income is much higher than that of traditional lending procts.

7. What is the difference between fund and financial management

1. The scope of investment objects is different

in a broad sense, fund belongs to one of the financial management methods, and the investment tools in the investment market: fund, stock, futures, etc. all belong to the category of financial management

2. Income and risk are different

the investment direction of financial management is very wide, and the risk is determined by the nature of the proct itself. From low-risk fixed income procts to high-risk stock option futures, the risk is proportional to the income

3. Different pricing methods

the net value of the fund is calculated once a day and updated once a day, while the pricing methods of financial procts vary according to different investment methods. For example: general bank financing: it has the expected rate of return, according to the expected rate of return, the expected level of return fluctuates up and down, the proct generally has a closed period, and the interest is paid at maturity or on a regular basis; The prices of stock futures and options fluctuate in real time ring the opening period

4. Different liquidity

the fund can flexibly apply for and redeem on the open day, which will not change because of the net value of the fund applied for and redeemed; Some financial procts can be bought and sold at any time to earn a price difference, such as stocks and foreign exchange; Some need to meet the period of sale, generally can not redeem.

8.

1. Different uses

P2P, also known as peer-to-peer network lending, is a kind of private small loan mode that gathers small funds to lend to people with capital needs

C2C is the professional term of e-commerce, which refers to the business exchanges between indivials, which is now commonly referred to as e-commerce

C2C is a professional term of e-commerce, C2C is CtoC, because the pronunciation of 2 in English is the same as two, so CtoC is abbreviated as C2C. C refers to the consumer, because the English word of consumer is consumer, so it is abbreviated as C. Now you should know that C2C means e-commerce between consumers and consumers

P2P is the abbreviation of peer, peer in English has & quot Equal in status, ability, etc& quot; Colleagues & quot; And & quot; Partner & quot; And so on. It can be simply defined as sharing computer resources and services through direct exchange, and the network formed by the application layer of peer-to-peer computing model is usually called peer-to-peer network

The actual operation method is different

P2P is an online lending platform, and indivials provide small loan business to indivials through a third-party platform (P2P company) under the premise of charging a certain service fee

C2C is the e-commerce between indivials. For example, if you sell a TV set, you can trade it over the Internet and sell it to the buyer. This type of transaction is called C2C e-commerce. Common websites in life are: Taobao, Jingdong Mall, Xianyu

the common point of P2P and C2C is to generate economic benefits through Internet operation, which has the characteristics of refinement and strong interaction. The use of the network between indivials closely linked, through the network rapid response, to provide better services for customers, so as to promote the network platform to achieve the purpose of exchanging information, exchanging goods

9. P2P is a technology based on BT, which is applied in different fields, mainly to save bandwidth and improve speed. At the same time, the more the number of downloads, the better the effect. In different fields, the application of
video website can realize the advantages of video playing while playing, supporting high concurrency, recing bandwidth and improving speed
game website, especially the large end game, can realize the function of playing while playing, Improve the download speed, save bandwidth, etc.
the three-tier update of local area network such as Internet cafes can realize automatic scanning update, only update the new part, improve efficiency and rece bandwidth cost
you are welcome to explore the use of more fields