The characteristic of this product is that the borrower does not need to provide collateral, but needs to find two other people to form three mutual insurances. Three people borrow money separately, and any one person's guarantee method is that the other two people guarantee him. If one person still fails to pay, the other two will make compensation. For example, if Party A, Party B and Party C borrow money, Party A will guarantee Party C, and if Party C fails to repay it, Party A will repay it; Party B and Party C guarantee Party A; Party A and Party C guarantee for Party B. If one party fails to pay back, the other two parties will pay back.