1. Guaranteed transaction model of guarantee institutions. This is also the safest P2P model. This type of platform acts as an intermediary. The platform does not absorb deposits or lend money. It only provides financial information services and is double guaranteed by cooperative small loan companies and guarantee institutions. The trading model of such platforms is mostly "1-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. It is jointly guaranteed by large domestic guarantee institutions. If a bad debt is encountered, the guarantee institution will promptly transfer the principal and interest to the investor's account on the second day after the repayment is delayed.

2. The creditor’s rights contract transfer model under the P2P platform. It can be called the "many-to-many" model, which is an atypical path - the P2P offline model. Borrowing needs and investments are broken up and combined. As the largest creditor, you lend funds to borrowers, then obtain the creditor's rights, divide them, and transfer the creditor's rights to other investors through the form of creditor's rights transfer to obtain loan funds. Its structural system can be seen as connecting assets on the left and claims on the right. The balance coefficient is that the amount of external lending must be greater than or equal to the transferred claims. If the loan amount is actually less than the transferred claims, it is equal to the transfer of non-existent claims. According to the "On Further Combating Illegal Fund-raising" Notice of other activities", which falls into the category of illegal fund-raising.

3. An Internet service platform launched by a large financial group. This type of platform has the background of a large group, and is moving from the traditional financial industry to the Internet. Therefore, the business model has a stronger financial color and is more "skilled".

4. Based on transaction parameters and combined with O2O (Online to

Offline, combining offline business opportunities with the Internet) comprehensive transaction model, this small loan model was created The P2P small loan business has advantages due to its customer resources, e-commerce transaction data and product structure. It has established two offline small loan companies to serve its platform customers. Offline business opportunities are combined with the Internet, making the Internet the front desk for offline transactions.