1. Bill loan mainly involves the bill business of peer-to-peer lending platform, including bank acceptance bills and some commercial bills. The business model of P2P lending platform also includes bill discount, bill pledge, internal insurance and external loan. Among them, bill discount is a typical one.
Bill discounting means that the borrower pledges the bank acceptance bill to the peer-to-peer lending platform. In order to avoid legal risks, bills are usually entrusted by third-party payment companies or banks, and then the borrowing targets are released by peer-to-peer lending platforms, and investors can bid on peer-to-peer lending platforms.
However, loans are risky, mostly in the aspects of fake tickets, endorsement errors in the peer-to-peer lending platform system, and arrears in payment by the receiver or peer-to-peer lending platform. Second, entrusted loans often refer to the funds provided by clients (peer-to-peer lending platforms) from legal sources. Our entrusted banks mainly provide loans, supervise the use and help recovery according to the information fields such as the loan object, the purpose of the money, the amount, the length of the term and the expected annualized interest rate determined by the clients, while those banks are credit businesses that do not assume any responsibility for the repayment of borrowers.
Therefore, although such projects are introduced to major banks, their knowledge plays a supervisory role in the use of funds. Third, financial leasing means that the lessor often clarifies the situation according to the lessee's various requirements for the leased property and the choice of suppliers, and then invests in buying and leasing the items he needs from those suppliers and renting them to the lessee for use. The lessee can generally pay a certain rent to the lessor in installments, and the ownership of those leased items belongs to the lessor during the lease period. In other words, the lessee has the right to use the lease item.
Four: Asset securitization usually refers to the business of packaging offline non-standard corporate bonds into online standardized asset packages and repurchasing the promise of premium by cooperating with some guarantee and peer-to-peer lending platforms. Asset securitization exchanges are more transparent in registering entrusted asset packages and investors' rights and interests. At the same time, however, because the borrowers and borrowers under asset securitization did not realize the direct docking of funds, this model has deviated from the essence of P2P peer-to-peer lending platform, and there is a certain gray area during this period. In addition to the borrower's default risk, it is also easy to cause management and operation risks of peer-to-peer lending platforms.
Five: Capital allocation usually refers to the process that the borrower (the borrower) issues the financing of the loan target on some relatively good platforms in peer-to-peer lending by using certain leverage principle on the basis of the original funds, mainly including stock allocation, futures allocation and warrant allocation. Because the fund-raising business has always been in the gray area of law, there is a big regulatory risk.
At the same time, peer-to-peer lending platforms also have risks such as trading and forced liquidation. Six. The last mode of P2P lending platform can be divided into two types: bank bridge or mortgage loan. Bank bridge crossing is a kind of short-term financing, and the term is generally 6 months. This is a kind of financing related to long-term funds.
The purpose of providing bridge funds is to enable borrowing enterprises to meet the conditions of docking with long-term funds through the financing of bridge funds. In addition, it can replace bridge funds with long-term funds. The main risk lies in whether the borrowing enterprise or the borrower insists on renewing the loan.