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Anonymous users2024-02-09Pure platform model and creditor's rights transfer model.
Depending on the lending process, P2P
Online lending can be divided into two types: pure platform model and creditor's rights transfer model.
In the pure platform model, the loan relationship between the borrower and the borrower is reached through direct contact between the two parties on the platform and a one-time bidding.
The creditor's rights transfer model means that the borrower and the borrower do not directly sign a creditor's rights and debts contract, but lend to the fund demander through a third-party individual, and then the third-party individual transfers the creditor's rights to the investor. This model is the first of its kind in China.
Pure online mode and a combination of online and offline mode.
Due to the imperfection of the domestic credit system, most of them.
The P2P online lending platform has shifted from online to offline for the process of user acquisition, credit review and fundraising, P2P
Therefore, the operation mode of online lending platforms is divided into pure online mode and online and offline combination mode.
Most. p2p
The company adopts a combination of online and offline mode, namely:
Unsecured and secured models.
Depending on whether there is a guarantee mechanism or not, it can be.
P2P online lending platforms are divided into unsecured and secured models.
In the unsecured model, the platform only plays the function of information matchmaking, and all loans provided are unsecured credit loans.
The secured model can be divided into a third-party guarantee model and a platform's own guarantee model.
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Anonymous users2024-02-081. P2P is the abbreviation of Peer to Peer Lending (or Peer-to-Peer), which means person-to-person (partner-to-partner). Also known as peer-to-peer network lending, it is a private micro-lending model that gathers small amounts of funds and lends them to people in need of funds. It is a type of Internet finance (ITFIN) product.
It belongs to private small-amount lending, with the help of the Internet and mobile Internet technology, online credit platforms and related financial management behaviors and financial services.
On September 4, the leading group of the special rectification of Internet financial risks and the leading group for the special rectification of online loan risks jointly issued the "Notice on Strengthening the Construction of the Credit Information System in the Field of P2P Online Lending" to support the access of P2P online lending institutions to the credit reporting system. Buried resistance.
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Anonymous users2024-02-07The typical P2P online loan business model in China can be divided into three types.
First, the pure platform model and the creditor's rights transfer model. According to the different online loan processes, P2P online lending can be divided into two types: pure platform mode and creditor's rights transfer mode. In the pure platform model, the relationship between the two parties is reached through direct contact between the two parties on the platform and one-time bidding; In the creditor's rights transfer model, professional lenders on the platform intervene in the online loan relationship, and interview the creditor's rights while lending to connect the lender and the borrower, so that the online loan can flow from the lender to the borrower.
Second, there is no high-guarantee platform model and guaranteed platform model. The unsecured model retains the original appearance of the P2P online lending model, and the platform only plays the function of credit identification and information matching, and all loans provided by the bright ruler are unsecured credit loans, and the lender can choose the loan amount and loan term by themselves according to their own borrowing term and risk tolerance.
Third, the pure online model and the combination of online and offline mode. In the pure online mode, the entire business is mainly completed from user development, credit review, contract signing to loan collection.
Mode 1: The most basic fund deposit model.
The third-party payment institution opens a large payment account for the online loan platform, and the lender's money directly enters the large payment account, and the transaction information is recorded by the platform itself. >>>More
The concept of P2P.
P2P is an abbreviation for peer-to-peer, which means "equal", "colleague" and "partner" in English. In this way, P2P can also be understood as "partner-to-partner", or peer-to-peer. At present, it is considered to have great prospects in strengthening the communication of people on the network, the exchange of documents, and the calculation of distribution. >>>More
P2P online loans cannot be repaid, and if you owe money to P2P online loan platforms, you must also repay the money. >>>More
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1. There are thousands of P2P platforms, and it is impossible to understand them one by one. As a result, portals become the premier channel for learning about P2P platforms. You can take a look at the regular P2P platform rankings published by the portal**, and you can also query some of the platforms you have learned about in the investment process in the archives of the portal** to see if there are relevant information for the record. >>>More