What are the risk control modes of P2P online lending, and what are the advantages and disadvantages of each mode?

After the borrower fills in the information, the credit consultant pays a return visit to verify that the real estate must be fully mortgaged, all projects are registered in the housing management office, and loan notarization and compulsory notarization are carried out in the notary office. After approval, the lender bids through the platform, and can choose to withdraw cash after the investment expires, and the creditor's rights can be transferred during the investment period. At present, this model is adopted in financing loans, and all loans must be mortgaged with the full value of houses and cars, which is different from most platforms and is conducive to the lender's capital guarantee.

Second, the credit loan mode:

It is a typical online P2P lending model. The borrower issues loan information, and multiple lenders decide whether to lend according to the authentication information and credit status provided by the borrower. The website only serves as a trading platform.

Third, the guarantee method:

The operation mode belongs to P2P lending mode guaranteed by the website. The borrower issues loan information, and multiple lenders decide whether to lend according to the authentication information and credit status provided by the borrower. However, the website provides principal guarantee for borrowers who become VIP users.

Four. Risk reserve mode:

Mainly intermediary service, the borrower issues loan information, and the lender chooses whether to borrow according to the borrower information. At the same time, it is a fund pool model, in which lenders purchase plans, automatically bid to all borrowers, and the funds are recycled.

Verb (abbreviation of verb) creditor's rights transfer mode+risk reserve:

This model is a transaction model of creditor's rights transfer. The platform lends money to users who need to borrow in advance, and then splits and combines the obtained creditor's rights into fixed-income products, and then sells them to investment and wealth management customers through the sales team.