P2P loan model
B2C mode: B of B2C generally refers to banks, and some websites also provide products of loan companies. Generally, online B2C loans rely on online lending platforms to complete pre-lending work. According to different rules, some applicants need to go to the bank offline. At present, the B2C model is restricted by the region, because its business entities are all institutions with geographical restrictions, and its coverage needs to be expanded.
P2P mode: P2P is short for PeertoPeer, which means person to person. In this mode, the applicant can decide the interest rate, term and other conditions independently according to his credit status and repayment ability, and Party B can freely choose the object he wants to borrow like online shopping.