For the borrower, according to the borrower's credit rating, the specific amount and term of the loan, etc. , charge different proportions of fees;
For the lender, the following fees are mainly charged:
1, VIP fee: registered members of the website can apply to become VIP members, pay a certain membership fee and enjoy the principal guarantee;
2. Investment management fee: After the user bids successfully, when the borrower repays the loan, the platform will charge an interest management fee according to a certain proportion of the investor's interest income.
3. Recharge and withdrawal fee: the fee can be charged according to a certain proportion of the amount according to the customer's membership level and amount. The above three points are the profit sources of P2P platform. At present, the industry is booming, and venture capital and listed companies have rushed to the beach. There is a more important reason: P2P is still a financing tool, and capital is scarce. Tools that can be integrated into capital are certainly valuable. What can create value is also valuable, which is a major feature in the market economy environment. In other words, the platform itself is also valuable. If it is a big platform, it can also realize value in the capital market. Perhaps more entrepreneurs are aiming at this value and dream.