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The following models combine trust and p2p: P2P platform guaranteed financing model, where the P2P platform cooperates with the trust company to issue small loans. The transaction structure is very delicately designed and without exception requires the actual controller of the P2P platform to provide full guarantee and performance.

Duty to make up the difference.

This transaction structure essentially uses the P2P platform’s own credit to finance the issuance of small loans, and the interest rate difference is appropriated by the P2P platform.

The risks of this type of trust products depend on the credit and risk control capabilities of the P2P platform itself.

In the agency sales trust product model, both partners get what they need. Some strong P2P platforms have high traffic popularity and strong ability to sell financial products; some trust products that have difficulty in raising funds seek these strong P2P platforms.

Collaborate to solve sales challenges.

The trust beneficiary rights pledge model utilizes part of the funds by pledging the beneficiary rights of unexpired trust products.

Qualified investors in trust products are high-quality borrowers on the platform. Due to short-term capital turnover needs, their purchased trust product beneficial rights shares are pledged to creditors as repayment guarantees, and the borrowings are used for the capital turnover of their individuals and the companies they invest in, and

Promise to repay debts with personal funds when the trust benefits are insufficient.