Mainly by charging intermediary service fees to make profits.

P2P online lending originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is that online credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal. Lenders of funds receive interest income and bear risks; The borrower repays the principal when it is due, and the online loan company charges the intermediary service fee.

In the traditional P2P model, the online lending platform only provides services such as information exchange and information value appraisal that are conducive to the completion of transactions, and does not substantially participate in the interest chain of lending. There is a direct creditor-debtor relationship between borrowers and lenders, and the online lending platform maintains its operation by charging certain fees to borrowers and lenders.

Extended data

According to the latest data from the 20 14 Internet Financial Innovation and Supervision Industry Summit, the online lending industry currently operates 1540 platforms, but at the same time, the number of problem platforms of 1 1 has reached a new high, reaching 39.

Regarding how to supervise the P2P industry, Zhang Chenghui said:

First, if the P2P platform wants to have sufficient management ability and risk control ability, only a certain amount of capital can guarantee sufficient investment in software and hardware.

Second, the P2P platform should ensure the openness and transparency of the transaction process.

Third, industry standards should be unified. Whether industry standards should be done by self-regulatory organizations or by regulatory authorities can be further discussed.

Fourthly, in terms of risk control, P2P platform should have a management constraint mechanism, including technical risk, information risk and capital risk.