What is the business model of good loans and online loans? Good loan network itself does not provide loans, but focuses on helping individuals and small and medium-sized enterprises to screen formal loan channels in the financial market. Let the people who need loans communicate and match directly with the business personnel who provide loans, and build a convenient credit direct selling platform. Specifically, users only need to input keywords such as loan amount, term and selected purpose online, and the system will compare them and output the corresponding list of banks and other credit institutions. The list shows information such as bank name, monthly payment, credit products, lending time, interest rate, total interest and total loan amount. After comparison, users can fill in the application materials online and apply for loans from one or more banks.

For banks, good loan network is a channel to obtain customers quickly. Therefore, the profit model of Good Loan Network is to charge upstream cooperative financial institutions, which is completely free for small and medium-sized enterprises and individual consumers. "We can't shake the traditional financial system at all." Li Mingshun, the founder of Haodai.com, admits that even if all the assets of Internet companies are added together, it may not be as good as the net profit of a state-owned bank in one year. "The impact of Internet companies on the traditional financial industry is more conceptual than practical."

The essence of a good loan network is to use technical means to gradually internetize the above huge loan market and create a "Tmall" in the loan field.

Haodai.com said that he will continue to look for some specialized services in some vertical markets in the future. "We can provide some reference data for lenders and tell them which indicators are more critical to help them make decisions."