2.P2P online lending platform serves as an information intermediary to connect borrowers and investment users;
3.P2P car loan refers to a diversion of online loan business: car loan refers to a business in which people with capital needs want to solve their own capital needs, mortgage or pledge all their vehicles and apply to the online loan platform, and the online loan platform reviews the project for bidders to bid for funds. In other words, lenders mainly borrow money from people who have spare money and vehicles. This is a lending model that can not only meet the needs of both parties, but also make full use of idle funds in society.
At present, car loans are mainly divided into mortgage and pledge. Car mortgage means that the owner can continue to have the right to use the car after mortgage and still drive to work; Vows don't work. The pledged vehicle is kept by the platform and cannot be used by the owner.