The business types of P2P online lending industry are mainly divided into the following categories:

1, credit loan

At present, the main types of credit loans made by many top mainstream platforms are relatively small, ranging from thousands to 10 thousand to 20 thousand, which should be the most mainstream loan method for a long time to come. However, at present, China's personal credit information system is extremely imperfect and there is no corresponding punishment system, so the bad debt rate is high. At present, the bad debt rate of several major domestic platforms is also ridiculously high, but no one has announced the bad debt rate just in case.

2. Car loan

It is very popular at present. Some platforms that specialize in car loans are the favorite of most senior online loan investors. Most car loan platforms are difficult to grab, because they didn't start with car loans, but the targets on Houhe Fortune Line are very rich, mainly because there are enough offline stores to support the business volume. Its advantage is that the car is mortgaged and has strong liquidity. Even if you encounter bad debts, you can quickly realize them and return them to investors. It is a less risky P2P product. It belongs to small dispersion and strong fluidity.

Moreover, the current target amount of car loans is generally less than 200,000, which is in line with the upper limit of loan balance stipulated in the Interim Measures for Personal-to-Personal Loan Industry. There will be no concentration risk.

3. Corporate loans (P2C)

At present, there are many such platforms, and the loan amount of products is also relatively large, ranging from hundreds of thousands to millions. Formal platforms will require mortgage and guarantee, and the interest rate of well-done platforms is between 10- 18% and ordinary 18-22%, which is also the main business of some high-interest platforms. At present, the annualized rate of return of such targets is generally around 15%.

However, due to the current national restrictions on the loan balance, most corporate loans have exceeded the upper limit of 1 10,000 corporate loans. Need to be completely rectified or closed down.

4. Personal real estate loans

This kind of loans are usually in the hundreds of thousands, which are used for capital turnover, business, decoration, car purchase, etc., mainly with personal property as collateral. This kind of bid is better than credit loan because there is collateral. But pay attention to whether the bid is false. In addition, based on the quota, most mortgage platforms will be transformed or suspended in the future.

5. Industrial chain self-integration platform

This kind of platform mainly borrows money from many enterprises in a certain field. Why do you say it is self-financing? Although some platforms say that they are independent third parties, the companies as guarantors are definitely related to the industrial chains of these enterprises, and some platforms themselves are built in the industrial chains, so the industrial chains must be self-contained platforms. This platform has a strong background and is an industry. The interest rate is a little higher than the general P2C, which is generally around 22%, because it can reduce the interest difference of self-raised funds drawn by intermediary platform vendors. For enterprises in the industrial chain, the financing cost becomes lower, and for investors, earning more is a win-win situation. The disadvantage is that once there is a systemic crisis in the industrial chain, it will be over, and the transparency of such platforms is not too high.