Pure platform model and creditor's rights transfer model
According to different lending processes, P2P online lending can be divided into pure platform mode and creditor's rights transfer mode.
Under the pure platform mode, the relationship between borrowers and lenders is realized through direct contact and one-time bidding on the platform.
The creditor's rights transfer mode means that the borrower and the borrower do not directly sign the creditor's rights and debts contract, but first lend the money to the fund demanders through the third party individual, and then the third party individual transfers the creditor's rights to the investors.
Pure online mode and online-offline combination mode
Due to the imperfect domestic credit information system, most of them
The process of user acquisition, credit review and financing of P2P online lending platform has changed from online to offline, so the operation mode of P2P online lending platform is divided into pure online mode and online-offline combination mode.
Pure online mode, the whole business such as user development, credit review, contract signing and loan collection is mainly completed online.
Most P2P companies adopt a combination of online and offline mode, namely P2.
Online lending companies mainly put lending transactions online, but mainly put lending audit and post-lending management online and offline, according to the traditional audit and management methods.
Unsafe mode and safe mode
According to the guarantee mechanism, P2P online lending platform can be divided into unsecured mode and secured mode.
In the unsecured mode, the platform only plays the role of information matching, and the loans provided are unsecured credit loans.
The guarantee mode can be divided into third-party guarantee mode and platform-owned guarantee mode.
The third-party guarantee mode means that P2P online lending platform cooperates with third-party guarantee institutions, and its principal guarantee services are all completed by external guarantee institutions, and P2P online lending platform no longer participates in risks.
Platform-owned guarantee mode means that P2P online lending platform itself provides guarantee for the lender's capital security. If the principal and interest cannot be recovered when the loan expires, the creditor's rights can be transferred to the platform, and the platform will advance the principal to the borrower first, and then the platform will recover the loan from the lender.
Which P2P financial management mode is safer? Most P2P financial management models are not safe, and the mortgage model of mutual loan is more reliable.
Which mode of cooperation between insurance companies and P2P is the most reliable?