What are the main modes of P2P network lending?

Currently, there are three main types of common P2P lending models:

1, offline transaction mode

This type of mainly by the website audit after the provision of transaction information, borrowing transaction procedures and related information investigation and audit offline and customers to complete face to face. This, "OK Loan" is the most typical representative.

2, capital guaranteed advance mode

This model, the platform to bear the risk of bad debts of the lender, therefore, the risk control ability of the platform requires a high degree of risk, once the love to see the occurrence of default, the first to advance funds by the site.

3, pure intermediary form of credit lending

This mode of website is mainly a release of the two sides of the lending and borrowing information, the site plays a role in the aggregation, there is no review of the loan link, the role of a single fund without a guarantee, do not advance the principal, borrowing and lending parties to the independent transaction. The model for the risk of the biggest, such as Shanghai's pat loans in such a model one.