1, the credit standard, that is, the borrower borrows money entirely by credit. This kind of loan is usually small. Once there is a non-performing loan, the platform or the borrower needs to start legal procedures and recover it through litigation (this is more troublesome).
2. Mortgage \ pledge object, that is, the borrower mortgages or pledges his own property, and there is a difference between mortgage and pledge. Common mortgages, such as real estate and cars, are filed with the registration department, telling the relevant departments that this thing has been mortgaged, which is convenient for future accounts (the handling of real estate is also very troublesome, and cars are easy to depreciate); There is also a pledge, that is, you take my things as collateral, borrow money according to a certain proportion of the market price of goods, and sell things directly to pay off debts if you can't afford it. Pawnshops are typical pledges. Once there is a defect, I will repay the debt by selling the pledge (Mu Rongbao, which I am investing in now, also belongs to this category).
3, the object of guarantee, there will be a fourth role, that is, the guarantee company. The role of a guarantee company is to sign guarantee contracts with borrowers and investors. If the borrower doesn't pay back the money, the guarantee company will advance the compensation and then recover from the borrower (this depends on the risk control ability of the platform, and the ability of the guarantee company is also difficult to verify).
4. the subject matter of insurance, there will be a fifth role here, which is the insurance company. Investors need to buy insurance before borrowing money. Of course, the cost of insurance will eventually be passed on to the borrower. If the borrower does not pay back the money, the insurance company will pay the investor first and then recover from the borrower.
As for the p2p blacklist query, it can be queried through the online loan blacklist website.