B2c mode

B of b2c generally refers to banks, and some websites also provide products of loan companies. Generally, online b2c loans rely on online lending platforms to complete pre-lending work. According to different rules, some applicants need to go to the bank offline. At present, (20 12)B2C model is limited by geographical area, because its business entities are all institutions with geographical restrictions, and its coverage needs to be expanded. The transaction process of this mode is:

1. Personal pledge loan application: go through the application procedures for personal pledge loan business, and determine the personal pledge loan amount (the maximum loan amount that can be issued) and the validity period (the date when the loan is finally paid off).

2. Online loan application: The customer has signed a personal pledge loan contract through online banking, and can apply for online loan issuance within the amount of pledged bonds through this function.

3. Online prepayment: I will repay the personal pledge loan I applied for through online banking according to the IOU.

4. Self-service unfreezing of pledged bonds: After the customer returns the personal pledged loan he applied for through online banking, the status of the pledged bond account will be restored from "pledge frozen" to "normal".

P2P mode

P2P means person to person. In this model, the applicant can decide the interest rate, term and other conditions independently according to his credit status and repayment ability, while the borrower can freely choose the object he wants to borrow like online shopping.

Production to consumption

P2P means person to business. P2C mode connects ordinary individual investors and small and medium-sized enterprises through the network, which on the one hand solves the problem of difficult and expensive financing for small and medium-sized enterprises, and on the other hand provides a safe, transparent and efficient investment platform for ordinary investors. P2C mode is mainly aimed at financing small and medium-sized enterprises, which are independent legal persons with better mortgage guarantee conditions and better risk control measures.

legal ground

"Interim Measures for Personal Loans" Article 11 An application for personal loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.