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 the borrower and the lender is achieved through direct contact on the platform and one-time bidding;

in the creditor's rights transfer mode, professional lenders on the platform intervene in the lending relationship, and interview the creditor's rights at the same time to connect the lender and the borrower, so as to realize that the loan money flows from the lender to the borrower.

2. unsecured platform mode and secured platform mode

unsecured mode retains the original features of p2p online lending mode. The platform only plays the functions of credit identification and information matching, and all loans provided are unsecured credit loans. Lenders can choose the loan amount and loan term by themselves according to their loan term and risk tolerance.

the secured mode can be divided into the third-party guarantee mode, the platform's own guarantee mode and the platform's own guarantee mode.

, pure online mode and combination of online and offline mode

In 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 the mode of combining online and offline, that is, p2p online lending companies mainly put the loan transaction links online, focusing on the wealth management side, attracting investors, and disclosing the loan business information and legal related service processes, while mainly putting the loan sources, loan review and post-processing management offline, in accordance with the traditional review and management methods.