The first is the professional lender model. In this mode, professional lenders (usually the actual controller of the platform, platform finance or other individuals easily controlled by the platform) lend money to borrowers to obtain corresponding creditor's rights, and then package and mismatch the creditor's rights according to the amount and term, and distribute them to investors in small amounts, and promise to buy back the creditor's rights at maturity. The professional lender model solved the problem of poor matching between borrowers and investors, and greatly promoted the development of the industry in the early stage.

The second is the transfer mode of ordinary creditor's rights. This model often involves two platforms, including at least five related parties, such as transferor, transferee, original borrower and original loan service intermediary (P2P). ) and the creditor's rights transfer platform (financial sales platform). It means that the transferee is willing to transfer all or part of the creditor's rights under the effective loan contract signed with the borrower and loan service intermediary (such as P2P platform) to the transferee on another platform, that is, the investor. Take Netease Wealth Management as an example, its Yi 'anbao products are typical creditor's rights transfer wealth management products. In this product, the original loan service intermediary is Huiren Loan.

The third is the realization mode of investors' creditor's rights. This model is aimed at investors on the same platform, that is, investor A transfers the target of his investment to investor B on the platform, and investor A realizes the realization of assets, which is an important innovation for the platform to improve the liquidity of investors' assets.