Is the Personal Lending Consultation and Service Agreement a contractual relationship or a private lending relationship?

Personal loan consulting service agreement belongs to entrustment contract relationship. According to relevant public information, the nature of personal loan consulting service agreement is an intermediary contract stipulated in the contract law, that is, p2p platform is an intermediary service provider, providing intermediary services for both parties to the transaction, not participating in the transaction, not providing any guarantee or implied guarantee for the transaction, and having no relationship or interest with both parties to the transaction. It belongs to the entrustment contract relationship. According to Article 9 19 of the Civil Law, the entrustment contract is a contract in which the principal and the trustee agree that the trustee will handle the principal's affairs. Private lending relationship is a financing behavior between natural persons, legal persons and other organizations, and it refers to financial institutions and their branches engaged in loan business established without the approval of financial supervision departments.