1, guarantee. Common in guarantee companies or related parties of borrowers. The guarantor promises to provide joint liability guarantee when the borrower fails to repay the due debts.

2. Advance payment. Generally, it is made by P2P platform. The platform promises to provide funds in advance when the borrower fails to repay the due debts, and the platform will collect debts from the borrower on behalf of investors. Advance payment and letter of guarantee are similar in the definition of legal nature.

3. Commitment of creditor's rights acquisition. In this way, there are not only P2P's own acquisition commitments, but also the acquisition commitments of third parties, including the repurchase commitments of the creditor's rights transferor. It varies according to different transaction structures.

4. Liability insurance. P2P platform buys performance liability insurance for investors, the investors are the beneficiaries, and the insurance companies are liable for compensation when the debtors cannot repay their debts.