Who can explain what is the O2O operation mode? Before Hongkai e-commerce came to the school for recruitment,

This model has attracted more attention in 20 13. Its characteristic is that P2P lending platform is mainly responsible for the maintenance of lending websites and the development of investors, while borrowers are developed by small loan companies or guarantee companies.

The process is that small loan companies or guarantee companies look for borrowers (mostly through offline channels), recommend them to P2P lending platform after review, and the platform will post the loan information to the website to accept online investors' bids after re-review, and the small loan companies or guarantee companies will provide full guarantee or joint liability for the loans.

This model is characterized by the division of labor and cooperation between the platform and the borrower's development institution. The former is committed to improving the investment experience and attracting more investors. The latter concentrates on developing borrowers, and the business scale can be expanded rapidly.

However, this model is easy to separate the complete risk control process, which leads to moral hazard of both parties, which is manifested in the platform's single-mindedness in attracting investors and ignoring the review of borrowers; Small loan or guarantee companies are committed to expanding the number of borrowers and lowering audit standards. Unless the platform has a strong relationship with the borrower's development organization, or the platform itself has sufficient credit evaluation and risk control capabilities, the platform will bear higher operational risks.