1, Difference in business model: The main business of shopkeepers is online bidding transactions, mainly second-hand goods and idle assets. Users can publish their own products on this platform, and they can also participate in the bidding activities of others to publish products. Pat loan provides online loan information intermediary service. Connected two types of users with capital needs and investment willingness, and conducted background investigation and risk management on both sides through risk assessment and credit review.

2. Difference in capital operation mode: By the end of October19, Lacarra's subsidiary had become the third largest payment institution in China, and cooperated with well-known Internet companies such as Ali Series and JD.COM. Pat the shopkeeper also successfully landed on Nasdaq on 20 18. Paipai Loan has a strategic cooperative relationship with well-known Internet companies such as Ant Financial, and pays more attention to scientific and technological innovation of risk management and credit evaluation in capital operation.