How Chinese peer-to-peer lending innovation?

Under the background of financial concept of the Internet, network borrowing service agencies as the important part of the concept has also been more and more attention. Network lending sch80 galvanized carbon steel pipe service is a little bit more simple said in the medium of the Internet, more than set capital requirements, and the leisure capital of the people through the platform of a lending transaction, service charge and in the process of trading for profit. This new lending transaction mode was born in Europe and the United States first, then into China. In the network to borrow this model after entering China, its development speed even substantially more than the "granddaddy" in foreign countries, and quickly appeared some obvious alienation and innovation.

Today, more and more journalists in an interview will be mentioned to me such a question: "in the first network borrowing service industry of countries and regions, the network forms of lending industry is still very close to the original model. In China, the service has been carbon steel concentric reducer more involved in the deal, such as providing similar safeguard mechanism of principal and interest. What is the cause of this difference? Demand?" Before answering this question, we first come to the world's most famous Lending a us network Lending services Club as an example, take a look at what is the model of abroad.

Lending Club through the network platform to accept client's loan request, and get the user authorization from Experian, long radius butt weld pipe elbow after Trans Union and among the three major credit reporting bureau to get the user's credit scores, place above a certain fractional line of the borrower's loan request for financing platform. Lending in the process of the Club is not and contact with the user's credit information collection, but with the trading process of absolutely independent third party access to the user's credit score, and the scores in the financing process continues on the platform for loan customer for reference. The three credit reporting agency by providing data to obtain profit, has nothing to do with whether a deal.