Finance and economics. Com believes that Internet finance will become the driving force of China's economic transformation in the future. Obviously, the internet finance industry has been regarded as a financial strategic goal, rather than a simple new concept. Because internet finance runs through the internet and the financial industry, the concepts of internet finance, including the giants, are extensive, among which several recognized subdivision models include: the first model is the online PP model represented by the auction loan; The second mode is actually a third-party payment mode involving the bank payment and settlement system; The third mode is the internet finance mode formed by e-commerce represented by Li and Li in the financial field; The fourth mode is the financial service mode in which a large number of Internet companies participate. The most noteworthy of these four modes is online loan, that is, PP mode. The second mode of third-party payment has formed a clear situation at present. Alipay and Tenpay have joined forces to make the duopoly difficult to shake, and it is foreseeable that there will be no new changes in the future to subvert the existing situation. The third and fourth paragraphs are still in their infancy, and the degree of attention is not high enough. Comparatively speaking, the PP model was in the Spring and Autumn Period and the Warring States Period. After several years of development, a hundred schools of thought contended and princes competed for hegemony. A new giant is brewing. Who can break through the Red Sea and become the focus of the next PP issue? As the first enterprise in the online loan industry, online loan enterprises are also the most promising online loan enterprises in the future, which first attracted people's attention and are the enterprises with the largest number of users in the online loan industry. Although the per capita loan amount and the total loan amount are not the largest, it is undeniable that the auction loan is the largest gathering place for online lenders in China. According to the data of the third party, the number of active users of the auction loan every day is in the first place all the year round, and often even the sum of the second and third places. As a diaosi service industry, the number of users of online loans is very important. Zhang Jun, CEO of Paipai Loan, also said, "I would rather have a user who borrows 100 than a user who borrows 100." The second is to maintain the fairness and independence of the auction loan. Pat loan and Libaba are very similar in mode. Libaba and its affiliated businesses such as Taobao and Alipay are all operated as third parties. Taobao doesn't buy or sell goods, and Alipay doesn't do banking. These measures are aimed at ensuring its impartiality and independence, and can focus on improving its operation. The same is true of taking a loan. Auction loans are not guaranteed, and production is also to ensure independence, not to participate in specific loans, and to better serve the majority of users. Third, patting loans subverts finance through the Internet. Although pat on the loan is in the internet finance industry, pat on the loan does not think that the internet is just a tool in the financial industry. PP is not the finance of Internet industry, not the online product of finance, but a brand-new industry. Internet finance does finance with an equal and open mind. Zhang Jun, CEO of Paipaidai, believes that Paipaidai is an Internet company with a high proportion of technicians.