1, unsecured online trading mode. This model is close to P2P online lending in the United States, that is, the platform only acts as a "matchmaker", information disclosure is not guaranteed, and the risk is borne by investors. This is a pure credit loan. However, there are few platforms for this model in China. It is difficult for investors to accept it without providing financial guarantee.
2. Ensure the online trading mode. This kind of P2P online lending platform is not a simple intermediary, but cooperates with guarantee institutions to verify the borrower's information and manage funds. The platform is both a guarantor and a joint collector. For investors, the risk is low, but the operating cost of the platform also increases.
3. Offline trading mode. Similar to private lending, the online network platform is responsible for providing information and finally completing offline transactions. Most lenders need collateral, from pure credit loans to mortgage loans, which greatly reduces the risk, but offline transactions are easily restricted by geography.
4. Online and offline combination. This is an ideal mode at present. Small transactions are completed online. If the amount exceeds a certain amount, offline transactions are needed, and collateral is needed. This model has more advantages than simple online or offline transactions.