1. financial leasing: financial leasing is a financial form that integrates financing and material. The lessor (financial leasing company) invests in the purchase of leased property (all kinds of machinery and equipment, heavy trucks, excavators, airplanes, etc.) according to the needs of the lessee (the actual debtor). ) and then rent it to the lessee, who will pay the rent to the lessor in installments. During the contract period, the ownership of the leased property belongs to the lessor and the lessee. The simplest form of leasing is that the leasing company buys the equipment that the lessee needs, and then rents it to the lessee at a monthly rent. The logic of financing lease loan is that the leasing company transfers the rights and interests of monthly rent to investors in the form of accounts receivable and creditor's rights transfer. The monthly repayment received by the investor is the fixed rent paid by the lessee every month. This is also the reason why "financing lease loan" is also the repayment of equal principal and interest. In Tongyue's leasing project, the leased property is a heavy truck, and the monthly repayment received by the investor comes from the rent paid by the lessee. Tongyue Leasing is equivalent to revitalizing accounts receivable and paying back the money in advance.

2. Personal property and vehicle mortgage loan, which is well understood, is a platform that uses houses and cars as collateral for loans to meet personal consumption or personal business production, and has the financial resources and love to invest in the current mortgage.

3. Personal pure consumption loans are characterized by a small amount, and loans are issued according to personal credit.

It is believed that in the future development, there will be more and more types and innovations in the financing end of P2P platform, aiming at solving the capital needs of small and medium-sized enterprises and individuals more quickly and efficiently and stimulating the overall economic development.

4. Business loans: In the middle, we should examine the repayment ability and willingness of enterprises. Therefore, the pre-audit of enterprises is very important, which depends on the ability of P2P platform risk control audit. How about the risk control system, how to score enterprises and how to inspect enterprises.

In the middle part of the platform, there will be enterprise operating loans with pure enterprise credit, which will be monitored by enterprise background data. Introduce state-owned financing guarantee companies or non-state-owned guarantee companies to guarantee corporate loans and issue letters of guarantee.

5. Core supply chain: "e-commerce +P2P" mode, P2P platform integrates borrowed resources through cooperation and acquisition to serve small and medium-sized enterprises and individuals with financing needs, such as industrial and commercial loans, commercial loans and building blocks.