1, pure platform mode and creditor's rights transfer mode. Under the pure platform mode, the relationship between online lenders and borrowers is realized through direct contact and one-time bidding on the platform.

2. Unsecured platform mode and secured platform mode, all loans provided are unsecured credit loans, and lenders can choose their own loan amount and loan term according to their loan term and risk tolerance.

3. Pure online mode and online and offline combination mode. In the pure online mode, user development, credit review, contract signing, loan collection, etc. The business models widely used in the industry mainly include pure online, creditor's rights transfer, guarantee, mortgage mode, O2O, P2B mode and mixed mode.