Operating mode of online loan:
1, P2P mode
Internet credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is that online credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal. In the traditional P2P model, the online lending platform only provides services such as information exchange and information value appraisal that are conducive to the completion of transactions, and does not substantially participate in the interest chain of lending. There is a direct creditor-debtor relationship between borrowers and lenders, and the online lending platform maintains its operation by charging certain fees to borrowers and lenders. In China, because the citizen credit system is not standardized, it is difficult for the traditional P2P model to protect the interests of investors. Once overdue, investors will lose everything. Therefore, in the continuous exploration and practice of P2P online lending, it is suggested that friends and relatives should be introduced into credit loans for joint guarantee, and mortgages or pledges should be introduced into other loans for counter-guarantee.
Transfer mode of creditor's rights
2. Method of creditor's rights transfer
The creditor's rights transfer model can better connect the borrower's capital demand with the investor's capital demand, and actively carry out business in batches, rather than passively waiting for their respective matching, thus achieving rapid expansion of scale. It is closely related to the target customer groups of microfinance that the development of Internet in China has not yet spread. Almost all online lending platforms established since 20 12 are creditor's rights transfer models. Because of the extension of credit chain and the high correlation between institutions and professional lenders, the P2P online loan form of creditor's rights transfer has been questioned. Many traditional P2P institutions think that this is "not P2P, and the risk will affect the P2P industry".
3.P2B mode
P2B platform is characterized by individual to organization, and the specific operation mode is that third-party organizations do risk control. The platform connects the risk control projects or targets of third-party organizations with investors on the platform, and intelligently solves the problems of unprofessional risk control and poor risk control level of the platform. Generally speaking, the risk of P2B business model is much lower than that of P2P business model, and its security is more worthy of investors' trust.