What are the models of P2P online lending?

1. Pure online model The biggest feature of the pure online model is that both borrowers and investors obtain information from non-terrestrial channels such as the Internet and telephone. Most of them are credit loans, and the loan amount is small. The credit evaluation and review of the borrower are mostly done online.

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This model is relatively close to the original P2P lending model, focusing on data loan review technology, focusing on user market segmentation, and focusing on small and intensive lending needs.

The platform emphasizes investors' awareness of their own risks and protects investors to a certain extent through risk deposits.

Currently, the business expansion capabilities of the pure online model have certain limitations, and business operations are difficult.

There are few domestic platforms that adopt a purely online model.

2. Creditor's rights transfer model The biggest feature of this model is that there is an intermediary between the borrower and the investor, which is a professional lender.

In order to increase the speed of lending, professional lenders first lend with their own funds, then transfer the claims to investors and use the returned funds to lend again.

The debt transfer model is mostly seen on offline P2P lending platforms, so it has become synonymous with the purely offline model.

Offline P2P platforms often attract criticism due to their large size and lack of transparency in information. Their use of financial products as packaging and package sales of debt are often considered to be suspected of building a capital pool.

But in fact, the financial management models adopted by different purely offline platforms are not exactly the same, making it difficult to generalize.

3. Guarantee/mortgage model This model either introduces a third-party guarantee company to guarantee each loan, or requires the borrower to provide certain assets for mortgage, so what it issues is no longer a credit loan.

If the guarantee company meets compliance operating requirements and the mortgaged assets are properly selected and easy to move, the risk for investors under this model is low.

Especially for the mortgage model, due to its strong risk protection capabilities, the comprehensive loan rate has room to decrease.

However, due to the introduction of guarantees and mortgage links, the process of loan business processing is longer and the speed may be affected.

In the guarantee model, the guarantee company bears all default risks, so the supervision of the guarantee company is extremely important.

4. O2O model This model attracted more attention in 2013. Its characteristic is that the P2P lending platform is mainly responsible for the maintenance of the lending website and the development of investors, while the borrowers are developed by offline branches.

The process is to find borrowers through offline channels, conduct on-site reviews and then recommend them to the P2P lending platform. After another review, the platform publishes the loan information on the website and accepts bids from online investors.

5. P2B model The P2B model is characterized by a high single loan amount, ranging from several million to tens of millions or even hundreds of millions. Generally, a guarantee company will provide a guarantee, and the enterprise will provide a counter-guarantee.

At the same time, this model no longer conforms to the characteristics of small and micro enterprises and is intensive. It is difficult for investors to fully diversify their investments and risks. The relevant pressure is transferred to the platform, which puts forward higher requirements for the platform's risk tolerance.

This model also achieved great development in 2013, where B refers to Business, that is, enterprise.

This is a model in which individuals lend money to businesses.

However, in actual operation, in order to avoid various risks caused by a large number of individuals lending money to the same enterprise, the funds are generally first released to the actual controller of the enterprise, and the actual controller then lends the funds to the enterprise.

6. P2E model The P2E model refers to an Internet financial model where individuals interact with exchanges and trading centers.

Its advantage is that it can rely on exchanges and trading centers with large central enterprises and state-owned assets to provide efficient financing needs for supply and demand parties who have trading relationships in the trading centers.