1, unsecured online trading mode. This model is close to P2P online lending in the United States, that is, the platform only acts as a "matchmaker", information disclosure is not guaranteed, and the risk is borne by investors. This is a pure credit loan. However, there are few platforms for this model in China. It is difficult for investors to accept it without providing financial guarantee.
2. Ensure the online trading mode. This kind of P2P online lending platform is not a simple intermediary, but cooperates with guarantee institutions to verify the borrower's information and manage funds. The platform is both a guarantor and a joint collector. For investors, the risk is low, but the operating cost of the platform also increases.
3. Offline trading mode. Similar to private lending, the online network platform is responsible for providing information and finally completing offline transactions. Most lenders need collateral, from pure credit loans to mortgage loans, which greatly reduces the risk, but offline transactions are easily restricted by geography.
4. Online and offline combination. This is an ideal mode at present. Small transactions are completed online. If the amount exceeds a certain amount, offline transactions are needed, and collateral is needed. This model has more advantages than simple online or offline transactions.
There are several unsecured online trading modes in the operation mode of P2P platform: that is, the online lending platform only acts as a "matchmaker" and does not promise to guarantee the investor's principal. This form is closer to the P2P online lending platform in the United States, but it is difficult to win the favor of investors at the stage when China's credit system is not perfect.
Guaranteed online trading mode: that is, the online lending platform is not a pure intermediary. It cooperates with guarantee institutions and strictly approves online financing projects underwritten by guarantee institutions. Many individual investors subscribe to the same project on the platform, and finally effectively connect the financing needs of financiers with the financial needs of investors, so as to achieve a win-win situation for all parties involved. This form has strong controllability and low investment risk.
Offline trading mode: that is, the online platform is only used as a channel to spread news, and both parties who are willing to trade need to talk face to face, similar to private lending, requiring borrowers to mortgage and provide guarantees to investors. This method has low risk and small income, which is restricted by certain geographical and environmental factors.
Online and offline combination mode: that is, set a limit parameter, and the transaction amount is completely online below the parameter. If it exceeds the parameter definition, you can choose the offline transaction mode, pay attention to on-the-spot investigation and ask for physical mortgage. The risk control mode includes the mortgage mode, which has become the new favorite of investors because of the mortgage in hand.
What are the main operating modes of P2P online lending platform? The modes of P2P online lending platform in China can be mainly divided into the following types:
Pure platform model and creditor's rights transfer model
According to different lending processes, P2P online lending can be divided into pure platform mode and creditor's rights transfer mode.
Under the pure platform mode, the relationship between borrowers and lenders is realized through direct contact and one-time bidding on the platform.
The creditor's rights transfer mode means that the borrower and the borrower do not directly sign the creditor's rights and debts contract, but first lend the money to the fund demanders through the third party individual, and then the third party individual transfers the creditor's rights to the investors.
Pure online mode and online-offline combination mode
Due to the imperfection of the domestic credit information system, most P2P online lending platforms are transferred from online to offline in the process of user acquisition, credit review and financing. Therefore, the operation mode of P2P online lending platform is divided into pure online mode and online-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 loan transactions online, while mainly put loan review and post-loan management offline, according to the traditional review and management methods.
Unsafe mode and safe mode
According to the guarantee mechanism, P2P online lending platform can be divided into unsecured mode and secured mode.
In the unsecured mode, the platform only plays the role of information matching, and the loans provided are unsecured credit loans.
The guarantee mode can be divided into third-party guarantee mode and platform-owned guarantee mode.
The third-party guarantee mode means that P2P online lending platform cooperates with third-party guarantee institutions, and its principal guarantee services are all completed by external guarantee institutions, and P2P online lending platform no longer participates in risks.
What are the operating modes of p2p financial management companies?
Online mode
It is pure P2P, which matches information purely on this platform mode to help borrowers and borrowers better match funds, but it has obvious shortcomings. This online mode does not participate in the guarantee.
Online and offline modes
The offline P2P model refers to the online lending process, such as auditing and loan issuance, which are all carried out offline. There is no difference between offline mode audit and bank loan audit. Generally, collateral is needed, and the raised funds are independently controlled by the online mode platform and lent to borrowers. At present, most P2P financial platforms are actually offline.
Online P2P mode is a pure online peer-to-peer lending with pure credit. Loan application, bidding, risk review and loan issuance are all conducted online, and enterprises only provide a platform for both parties to match.
Transfer mode of creditor's rights
The platform itself lends money first, and then the creditor's rights are transferred on the platform, which obviously enables enterprises to improve the working efficiency of the financing end, but it is prone to insufficient creditor's rights and cannot make the funds fully effective;
Principal guarantee mode
The P2P mode of providing principal or even using interest guarantee is the mainstream mode of financial market, and the P2P mode of principal guarantee is essentially the concept of indirect contact with funds.
What are the main operating modes of P2P online lending? First of all, it is an unsecured pure online trading model.
The operation of this model is based on the premise of improving the credit system, and it is currently the most widely used in the P2P online lending industry in the United States. This model can be explained as the platform purely acts as an intermediary, the information is displayed at the front desk, there is no guarantee, and all risks are borne by the investors themselves. This model is not competitive with the basic national conditions in China, because it is a pure credit system loan model, which is difficult to be accepted by domestic investors.
Second, a secure online trading model.
This mode of operation has a great feature, that is, through the mode of third-party guarantee, the platform's income is reduced and it is completed in cooperation with guarantee institutions. This P2P online lending platform is no longer a simple intermediary, but acts as a guarantor and a payee. Both the platform and the guarantee institution are responsible for information review and fund custody management. For investors, this operation mode can ensure the safety of their own funds, and for the platform, the operating cost will also increase.
Third, the offline trading model.
Although P2P peer-to-peer lending is a network-centric industry, if the offline-centric operation mode is adopted, the platform will become a platform responsible for providing information, and eventually all transactions will be completed offline. Of course, this operation mode has a very big defect, that is, restricted by the geographical nature, the business sources are greatly reduced. In addition, the offline transaction mode requires borrowers to provide mortgage loans, which reduces the risk, but for borrowers, mortgage car loans are not always available.
Fourth, the typical online and offline domestic P2P online lending model. This model is the most ideal online loan model at present. It collects borrower information online and cooperates with various guarantee institutions offline to review the information. On the premise of high efficiency, it can also save costs. This mode is the most commonly used and practical operation mode of the platform at present. This is how the well-known domestic p2p online lending platform works.
There are several operating modes of P2P financial platform. There were mainly two modes before: 1. Pure online mode. 2. The combination of online and offline mode. With the development of national regulatory policies, future financial managers will still return to online. The state does not allow offline P2P financing, nor does it allow offline P2P financing advertisements. In the future, Internet finance will still return to online.
At present, the business models of P2P platform are mainly divided into the following categories:
The first mode-pure platform mode, the relationship between borrowers and lenders is realized through direct contact and one-time bidding on the platform.
The second mode-transfer of creditor's rights. Lenders and borrowers do not directly sign creditor's rights and debts contracts, but first lend money to those in need of funds through a third-party individual, and then the third-party individual transfers the creditor's rights to investors.
The third mode-pure online mode and online-offline mode, P2P online lending companies mainly put the loan transaction link online, but mainly put the loan review and post-loan management link offline, according to the traditional review and management methods.
The fourth mode-unsafe mode and safe mode. In the unsecured mode, the platform only plays the role of information matching, and the loans provided are unsecured credit loans.
Each has its advantages and disadvantages. It is a pure platform model, and it is difficult for investors to distinguish the authenticity of both borrowers and borrowers, and it is also difficult to avoid the self-integration phenomenon of the platform.
What are the methods of P2P online loan operation mode? First, the pure platform model and the creditor's rights transfer model.
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 and one-time bidding on the platform; In the creditor's rights transfer mode, professional lenders on the platform intervene in the lending relationship and transfer the creditor's rights at the same time, so as to connect the lender (hereinafter also referred to as the investor) and the borrower, thus realizing the flow of loan funds from the lender to the borrower.
Second, pure online mode and online and offline combination mode
Because the domestic credit information system is not perfect, it is difficult to judge the personal credit situation, so the online work of most P2P online lending platforms can only complete a part of foreign P2P processes, and the processes of user acquisition, credit review and financing have changed from online to offline to varying degrees. Therefore, the operation mode of P2P online lending platform can be divided into pure online mode and combined online and offline mode.
Third, unsecured mode and secured mode.
In addition to the direct on-site credit audit in offline mode, there is also a guarantee mechanism to effectively reduce the risk of loan losses that lenders may suffer. Therefore, according to whether there is a guarantee mechanism, P2P online lending platform can be divided into unsecured mode and secured 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 independently according to its own loan term and risk tolerance. Loans overdue, the risk of bad debts is entirely borne by the lender. The website does not make a commitment to guarantee the principal, nor does it set up a special risk reserve to make up for the possible losses of the lender.
Public Lending: What are the operating modes of p2p financial management companies? The first is the pure platform model, and the relationship between borrowers and lenders is realized through direct contact and one-time bidding on the platform. This model is relatively simple. The platform only acts as a middleman, does not participate in the investment activities of investors and borrowers, and does not undertake the guarantee work agreed by both parties. But there is a difficulty here, that is, it is difficult for investors to distinguish between the authenticity of borrowers and borrowers. It may be that the platform itself is acting as a borrower and is self-financing.
The second type: the mode of creditor's rights transfer. Lenders and borrowers do not directly sign creditor's rights and debts contracts, but first lend money to those in need of funds through a third-party individual, and then the third-party individual transfers the creditor's rights to investors. In this mode, the capital flow speed is relatively fast, and people who are in urgent need of funds can transfer their creditor's rights and pay back the money in time, without waiting for the agreed date, but it will also involve the problem of setting up a fund pool privately by the platform, and all the funds flow in the hands of the platform.
The third mode: pure online mode and online-offline mode. P2P online lending companies mainly put the loan transaction link online, but mainly put the loan review and post-loan management offline, according to the traditional review and management methods.
What is the goal of p2p platform? Very many, I prefer low-risk ones, such as mortgage signing, such as car signing and house signing; The logo is also ok. There are also some relatively risky ones, which are credit marks. Most of the rice loans are mortgaged.