According to different lending processes, p2p online lending can be divided into pure platform mode and creditor's rights transfer mode. In the pure platform mode, the relationship between borrowers and lenders is realized through direct contact on the platform and one-time bidding;
In the mode of creditor's rights transfer, professional lenders on the platform intervene in the lending relationship, conduct creditor's rights interviews while lending, and connect lenders and borrowers to realize the flow of lending money from lenders to borrowers.
2. Unsafe platform mode and safe platform mode
The unsecured mode retains the original appearance of p2p online lending mode, and the platform only plays the functions of credit identification and information matching. The loans provided are unsecured credit loans, and the lender can choose the loan amount and loan term according to his own loan term and risk tolerance.
The guarantee modes can be divided into three modes: third-party guarantee mode, platform self-guarantee mode and platform self-guarantee mode.
, pure online mode and online and offline combination mode.
Pure online mode, the whole business such as user development, credit review, contract signing and loan collection is mainly completed online.
The vast majority of p2p companies adopt a combination of online and offline mode, that is, p2p online lending companies mainly put lending transactions online, focusing on financial management, attracting investors, publicizing lending business information and legal related service processes, while mainly putting borrowing sources, loan review and post-processing management online, according to the traditional review and management methods.