What are p2p loans four models of p2p loans

What are the four modes of P2P lending?

What are the several modes of P2P online lending?

China's P2P online lending platform model can be mainly divided into the following:

Pure platform model and debt transfer model

According to the different borrowing and lending processes, P2P online lending can be divided into two kinds of pure platform model and debt transfer model.

In the pure platform model, the borrowing and lending relationship is reached through direct contact between the two parties on the platform, and a one-time bid is reached.

Debt transfer mode refers to the borrowing and lending parties do not directly sign the debt contract, but through the third party individual first lending to the funds demander, and then by the third party individual will be transferred to the investor debt.

Pure online mode and online-offline combined mode

Due to the unsoundness of the domestic credit system, most of the P2P lending platforms have shifted from online to offline for the process of user acquisition, credit auditing and fundraising, and the operation mode of the P2P lending platforms is therefore divided into the pure online mode and the online-offline combined mode.

In the purely online mode, the whole business of user development, credit audit, contract signing and loan collection is mainly done online.

The vast majority of P2P companies adopt a combination of online and offline mode, i.e., P2P lending companies put the lending and borrowing transactions mainly online, and mainly put the borrowing review and post-loan management such as online and offline, in accordance with the traditional auditing and management methods.

Unsecured and secured models

According to the presence or absence of a security mechanism, P2P lending platforms can be categorized into unsecured and secured models.

In the unsecured model, the platform only plays the function of information aggregation, and all the loans provided are unsecured credit loans.

The guaranteed model can be further divided into the third-party guarantee model and the platform's own guarantee model.

The third-party guarantee model refers to the cooperation between the P2P lending platform and the third-party guarantee organization, whose principal guarantee services are all completed by the external guarantee organization, and the P2P lending platform is no longer involved in the risk.

What kinds of p2p online lending model

Pure platform model and debt transfer model

Pure online model and online and offline combined model such as mutual loan

Unsecured model and guaranteed model

What kinds of p2p online lending platform joining model

P2P online lending platform joining model should be two kinds of, one is business type, the second is the platform type. Business-type is to investment and financing customers as a link, the platform and the authorized business link, by the headquarters of the control of the camp, the authorized business for the headquarters to develop business, get a share of profits. The advantage of this model is that the platform can no longer be subject to the geographical limitation of financing customers, even if the platform's headquarters is in Beijing, it can also accept the application of the financing customers in Changchun, provided that the headquarters has an authorized dealer in the local area. The platform type is a whole platform, each licensee is geographically divided, independent operation of the background, each regional licensee is able to carry out business on their own platform. The advantage of the platform type is that the resources **** enjoy, the business is developed separately, the risk is borne by each, is conducive to the platform stronger and bigger, to achieve the long-term goal. p2p platform ronghe loan

P2P lending what mode

First, information processing and risk assessment through the networked way.

Second, the period and quantity of the supply and demand of funds are matched without the need to go through intermediaries such as banks or brokerages, and the supply and demand parties deal directly.

iii. Harmonization of super-centralized payment systems and individual mobile payments.

iv. Product simplicity.

v. Complete inter-networking of financial market execution with minimal transaction costs.

vi. More importantly, market participants are more publicized, and the huge benefits of Internet financial market exchanges are more widely available to the general population.

What are the modes of p2p lending

According to the different borrowing and lending processes, P2P lending can be categorized into two modes: pure platform mode and debt transfer mode.

According to the presence or absence of a guarantee mechanism, P2P online lending platforms can be categorized into unsecured and secured models.

What kinds of P2P online lending platforms DJ

Pure platform mode and debt transfer mode

According to the different lending processes, P2P online lending can be divided into two kinds of pure platform mode and debt transfer mode.

Pure platform mode, the borrowing and lending relationship is reached through direct contact between the two sides on the platform, a one-time bid to reach.

Debt transfer mode refers to the borrowing and lending parties do not directly sign debt contracts, but through a third-party individual first lending to the demand for funds, and then the third-party individual will be the transfer of the debt to the investor.

Pure online mode and online-offline combined mode

Since the domestic credit system is not sound, most P2P lending platforms have shifted from online to offline in the process of user acquisition, credit auditing and fundraising, and the operation mode of P2P

lending platforms has been categorized into pure online mode and online-offline combined mode.

In the purely online model, the entire business from user development, credit auditing, contract signing to loan collection is mainly done online.

The vast majority of P2P companies adopt a combination of online and offline models, i.e., P2P

net lending companies put the lending and borrowing transactions mainly online, and mainly put the borrowing review and post-credit management of such links online and offline, in accordance with the traditional auditing and management methods.

Unsecured and secured models

Based on the presence or absence of a security mechanism, P2P lending platforms can be categorized into unsecured and secured models.

In the unsecured mode, the Top Ten platform only plays the function of information aggregation, and all the loans provided are unsecured credit loans.

The guaranteed mode can be divided into the third-party guarantee mode and the platform's own guarantee mode.

The third-party guarantee model refers to the cooperation between the P2P lending platform and the third-party guarantee organization, whose principal guarantee services are all completed by the external guarantee organization, and the P2P lending platform is no longer involved in the risk.

P2P online lending risk control what kinds of models, what are the advantages and disadvantages of each model

First, mortgage risk reserve mode:

Borrowers fill out the information after the credit adviser to make a return visit to verify that there must be a property for the full value of the collateral, all the ad hoc cases in the housing management to do the registration of the collateral in the notary public notarization of the borrowing and mandatory notarization. After the audit, the lender through the platform bidding, the investment period can choose to withdraw cash, the investment period can be transferred claims. At present, the loan is the use of such a model, borrowing must use the house, car and other full-value collateral, which is different from the majority of platforms, in favor of the protection of the lender's funds.

Second, the credit borrowing mode:

belongs to the typical online P2P lending mode, the borrower released borrowing information, a number of lenders according to the borrower provided by the authentication information and its credit status to decide whether to lend, the site only as a trading platform.

Third, the guarantee mode:

The mode of operation belongs to the P2P lending mode guaranteed by the website, where the borrower releases the borrowing information, and multiple lenders decide whether to lend according to the authentication information provided by the borrower and his credit status, but the website provides a principal guarantee for the lender who becomes a VIP user.

Fourth, risk reserve mode:

Mainly for the intermediary service, the borrower released borrowing information, the lender according to the borrower's information to choose whether to borrow, at the same time, it is a kind of pool mode, the lender to buy the plan, automatic bidding to the borrower, and the funds back to the circle use.

V. Debt transfer risk reserve mode:

The mode for the debt transfer transaction mode, the platform in advance of the release of funds to the need to borrow the user, and then the acquisition of the debenture to split the combination, packaged into a class of fixed-income products, and then through the sales team will be sold to the investment and financial customers.

What are the investment modes of P2P lending

The high and low returns do not mean safety, the different repayment methods of P2P platforms affect the individual investment returns, P2P investment and finance related terms, P2P platforms are screened according to the time of establishment and so on.

Which are the main P2P lending operation modes

The main operation modes of the P2P lending platforms are mainly of four types:

One, the guarantor agency guarantees the transaction mode, which is also the safest P2P mode. This type of platform as an intermediary, the platform does not absorb reserves, not lending, only to provide financial information services, by the cooperation of small loan companies and guarantee institutions to provide double guarantee.

Two, "P2P platform under the debt contract transfer mode" of Yixin model. Can be called "many to many" mode, borrowing needs and investment are scattered combination, and even by the head of Yixin Tang Ning himself as the largest creditor will be the funds lent to the borrower, and then access to the claim on the split, through the form of transfer of claims will be transferred to other investors, access to lending funds. Its framing system can be seen as the left side of the docking assets, the right side of the docking claims, Yixin's balance coefficient is the amount of external lending must be greater than or equal to the transfer of claims, if the amount of lending is actually less than the transfer of claims, equal to the transfer of non-existent claims, according to the "Notice on Further Combating Illegal Collections of Funds and Other Activities", belongs to the category of illegal fund-raising.

Third, large financial groups launched the Internet service platform. Such as: Ping An's Lujinshi and Guolian's easy loan; such platforms have a large group background, and is the traditional financial industry to the Internet layout, so the business model on the financial color is more intense, more "class".

Four, to the transaction parameters as a base, combined with O2O (OnlinetoOffline, the opportunity to combine offline business with the Internet) of the integrated trading model. For example, Ali for e-commerce to join the credit review system, the integration of loan information processing. The P2P business created by this small loan model has an advantage by virtue of its customer resources, e-commerce transaction data and product structure, and its two companies established offline to provide services to its platform customers. Offline business opportunities are combined with the Internet, allowing the Internet to become the foreground of offline transactions.

P2P lending platform operation mode which kinds

P2P lending platform operation mode:

1, unsecured online transaction mode, that is, the online lending platform only act as a "matchmaker", does not promise to protect the principal of the contributor.

2, guaranteed online transaction mode, that is, the network lending platform is not a simple intermediary, through its cooperation with the guarantee agency, pre-credit verification of the borrower's information in order to protect the principal of the contributors on the platform, but also responsible for the loan, loan management, while playing the role of guarantor and joint recovery of the dual role.

3, offline transaction mode, that is, the network lending platform only play the dissemination of news channels, there is a willingness to deal with the two sides need to negotiate face-to-face, similar to the way the private lending, the borrower is required to collateralize, the contributor to provide security.

4, the combination of online and offline trading mode, that is, set a quota parameter, the transaction amount in the parameter below the full implementation of the online mode, more than the parameter definition range can choose to implement the offline trading mode, focusing on on-site inspections and require physical collateral.

Expanded Information:

Provisions on the Provision of Guarantees for Borrowings

Article 198 of the Contract Law enters into a loan contract, the lender may require the borrower to provide security. Guarantee in accordance with the provisions of the Chinese People's *** and State Guarantee Law.

"The supreme people's on people's trial of lending cases of a number of opinions" article 13: in the lending relationship, only play the role of contact, introduction of people, do not bear the responsibility of guarantee. The fulfillment of the debt does have the intention of guarantee, shall be recognized as a guarantor, bear the responsibility of guarantee.

Article 211 of the Contract Law: "The contract of loan between natural persons does not agree on the payment of interest or the agreement is not clear, is deemed not to pay interest. Where a loan contract between natural persons agrees on the payment of interest, the interest rate on the borrowed money shall not violate the state regulations restricting the interest rate on the borrowed money".

Supreme People's "on the people's trial of lending cases of a number of opinions" Article 6: "private lending interest rate can be appropriately higher than the bank's interest rate, the people of each region can be specific in accordance with the actual situation in the region, but the maximum shall not exceed the bank's interest rate of similar loans four times (including the interest rate of the principal). Beyond this limit, the interest on the excess is not protected."