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Peers
The abbreviation of lending, peer means individual. Peer-to-peer lending refers to the process of lending, and information, funds, contracts and procedures are all realized through the Internet. It is a new financial model developed with the development of internet and the rise of private lending, and it is also the development trend of financial services in the future.
Up to now, many models are derived from the concept of p2p. There are more than 2,000 P2P lending platforms in China, and the platforms are different, which can be summarized into the following four categories:
First, the guarantee institution guarantees the transaction mode, which is also the safest p2p mode. As an intermediary, such platforms do not absorb deposits or lend, but only provide financial information services, with double guarantees provided by cooperative small loan companies and guarantee institutions. The trading mode of such platforms is mostly "1 many-to-many", that is, a loan demand is invested by multiple investors. The advantage of this model is that it can ensure the safety of investors' funds and is jointly guaranteed by large domestic guarantee institutions. In case of bad debts, the guarantee institution will transfer the principal and interest to the investor's account in time the next day after the repayment is delayed.
The second is the credit model of "credit contract transfer model under p2p platform". It can be called "many-to-many" mode, which is an atypical mode-P2P offline mode. The loan demand and investment were all scattered, and even Tang Ning, the head of CreditEase, lent money to the borrower as the largest creditor, and then obtained the creditor's rights for division, and transferred the creditor's rights to other investors in the form of creditor's rights transfer to obtain loan funds. Due to its special lending model, CreditEase has also established "two-way Sanda" risk control, and obtained one-year creditor's rights in the form of personal loans. CreditEase splits the creditor's rights in both amount and term. In this way, CreditEase constantly attracts funds by using the staggered ratio of funds and maturities. While granting loans to obtain creditor's rights, it constantly mismatches the amount and maturities and continuously splits and transfers them. CreditEase's model is characterized by strong reproducibility and rapid development. Its framework system can be regarded as the docking of left assets and the docking of right creditor's rights. The balance coefficient of CreditEase is that the amount of foreign loans must be greater than or equal to the assigned creditor's rights. If the loan amount is actually less than the transferred creditor's rights, it is equal to the transfer of non-existent creditor's rights. According to the Notice on Further Combating Illegal Fund-raising, it belongs to the category of illegal fund-raising.
3. Internet service platform launched by large financial groups. These platforms all have the background of large groups, from the traditional financial industry to the Internet layout. Therefore, the business model is more financial and "professional".
Fourth, based on the transaction parameters, combined with o2o (online
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Offline, combine offline business opportunities with the Internet). For example, Ali Xiaowei joined the credit review system of e-commerce and integrated the loan information. The p2p microfinance business initiated by this microfinance model relies on its advantages such as customer resources, e-commerce transaction data and product structure, and two microfinance companies established offline serve its platform customers. The combination of offline business opportunities and the Internet makes the Internet a front desk for offline transactions.