Credit loan is an unsecured loan, the loan amount is generally not fixed, not exceeding 65,438+0-200,000, and the loan period is not fixed, but it is mainly short-term at present. Generally speaking, to apply for a personal credit loan, you need to provide the following information: proof of income, personal credit rating in the bank, personal professional information, etc. This kind of investment project is mainly based on the personal credit of the borrower. Under the background of imperfect domestic credit information system, the borrower's loan default cost of online lending platform is low, so the default rate is high, and the platform needs a larger business scale to cover the default loss.

Second, the housing mortgage loan:

Real estate mortgage loan is a financing method in which the borrower provides guarantee to the lender with his own real estate as collateral and issues competitive loans on the platform. The borrower can also use the collateral to re-set the mortgage and make full use of the value of the collateral. At present, such investment projects are greatly affected by housing prices, and there are risks such as falling housing prices and difficulties in realizing them. At present, there are many P2P platforms with the phenomenon of secondary mortgage. The second mortgage refers to the loan based on the surplus value of the house when the current appraisal value of the house is greater than the original appraisal value. Although the second mortgage is effective, unlike the first mortgage, the second mortgage cannot enjoy the priority of compensation, so the risk is slightly greater than the first mortgage.

Third, the vehicle mortgage loan:

Vehicle mortgage loan refers to the borrower borrowing with the vehicle as collateral, which is usually used to solve the short-term capital turnover problem. Under normal circumstances, the car mortgage can only reach about 70% of the valuation, and the time is divided into one month, three months, six months and twelve months. At present, only some platforms carry out second-hand car mortgage business. In view of the great growth space in the domestic new car market, the prospect of vehicle mortgage business is still relatively large. However, there are risks such as car damage, fraudulent loans, discounts, and purchase restrictions in major cities.

Four. Equity pledge loan:

Equity pledge loan refers to the financing method that stock holders can provide counter-guarantee to the online lending platform by holding the company's stock pledge, without cutting and selling their shares and applying for loans from the platform. Most large enterprises choose this way to borrow money. This kind of investment project has many risks, such as large fluctuation of equity value, difficulty in realizing the equity of non-listed companies, and the change of equity value is the same as the company's operating risk.

V supply chain finance:

Supply chain finance refers to the credit business that the platform evaluates the credit qualification of small and medium-sized borrowing enterprises based on the credit of core enterprises and provides financing support for core enterprises and their upstream and downstream. It mainly includes the prepayment financing mode in the procurement stage, the chattel pledge financing mode in the operation stage and the accounts receivable financing mode in the sales stage. This kind of loan has the risk of concentration of the whole industry chain, the risk of core enterprises, the risk of price fluctuation of collateral or enterprise assets market, and the risk of accounts receivable becoming unrecoverable bad debts. Moral hazard in risk control of core enterprises financing affiliated enterprises through P2P platform.

Six, the bank bridge:

Bridge fund is a kind of short-term fund financing, the term is limited to six months, and it is a kind of fund financing connected with 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, and then long-term funds can replace bridge funds. The main risk of this kind of project lies in whether the bank will renew the loan. Because bridge funds are very important for the operation of enterprises, once they fail, they will form a fatal blow to enterprises.

Seven, bill loans:

The bill business involved in the online loan industry is mainly bills of exchange, including bank acceptance bills and commercial bills. The business models of the platform include bill discount, bill pledge, entrusted trade payment, domestic insurance, foreign loans and so on. Among them, bill discount is a typical one. Bill discount means that the borrower pledges the bank acceptance bill to the platform. In order to avoid legal risks, bills are generally entrusted by third-party payment companies or banks, and then the platform issues the loan target for investors to bid. This kind of loan has risks such as fake tickets, wrong endorsements, and default on payment.

Eight. Financing lease loan:

Financial leasing means that the lessor purchases the leased property from the supplier and rents it to the lessee according to the specific requirements of the lessee and the choice of the supplier. The lessee pays the rent to the lessor by installments. During the lease period, the ownership of the leased property belongs to the lessor, and the lessee has the right to use the leased property. At present, many platforms cooperate with financial leasing companies to carry out this business. The risk of this kind of business lies in the increasing repayment pressure of the lessee, the operating risk of the lessee and the depreciation and liquidation risk of the equipment.

IX. Matching loans:

Fund allocation refers to the process that the borrower issues the loan target financing on the platform through certain leverage on the basis of the original funds, mainly including stock fund allocation, futures fund allocation and warrant fund 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, there is also the risk of simultaneous trading and forced liquidation.

X. Asset securitization loans:

Asset securitization refers to the business of packaging offline non-standard corporate bonds into online standardized small loan asset packages, cooperative guarantees, and small loan companies promise to buy back at a premium. Asset securitization exchanges are more transparent in registering entrusted asset packages and investors' rights and interests. But at the same time, because the borrowers and borrowers under asset securitization have not realized the direct docking of funds, this model has deviated from the essence of P2P, 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.

That's all. If you can manage your money well, you can try www.heidoujinfu.com. If there is anything you don't understand or want to ask, you can add it. I'll explain when I see it.