According to incomplete statistics, there are probably the following types of companies operating P2P online loans: investment companies, investment management companies, investment consulting companies, e-commerce companies, technology companies, financial service companies, asset management companies, industrial companies, trading companies, network technology companies, etc. The registration of these companies does not require special qualifications or pre-approval, which is exactly the same as the administration of ordinary corporate bodies.
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The Business Model P2P P2P Lending Platform
First, the guarantee transaction mode of the guarantee institution
This is also the safest P2P mode. As an intermediary, such platforms do not absorb deposits or lend, but only provide financial information services, with double guarantees provided by cooperative small loan companies and guarantee institutions. The trading mode of such platforms is mostly "1 many-to-many", that is, a loan demand is invested by multiple investors.
The advantage of this model is that it can ensure the safety of investors' funds and is jointly guaranteed by large domestic guarantee institutions. In case of bad debts, the guarantee institution will transfer the principal and interest to the investor's account in time the next day after the repayment is delayed.
Second, the transfer mode of creditor's rights contract under P2P platform
It can be called "many-to-many" mode, which is an atypical mode-P2P offline mode. Borrowing demand and investment are both decomposed and combined. As the largest creditor, I lent the money to the borrower, and then got the creditor's rights for division, and transferred the creditor's rights to other investors in the form of creditor's rights transfer to obtain loan funds.
Its framework system can be regarded as the left docking creditor's rights and the right docking debt. Balance coefficient means that the amount of foreign loans must be greater than or equal to the transferred creditor's rights. If the loan amount is actually less than the transferred creditor's rights, it is equal to the transfer of non-existent creditor's rights. According to the Notice on Further Combating Illegal Fund-raising, it belongs to the category of illegal fund-raising.
Baidu encyclopedia -P2P peer-to-peer lending platform