“收入模式的不同,是区别平台型P2P与类金融P2P的关键。”胡宏辉说。以国内最大的线下P2P公司宜信为例,其收益更大的部分来自息差而不是手续费。与宜信不同,拍拍贷内部没有风险补偿基金,也没有规模庞大的坏账追缴团队。其甚至对坏账不做担保,而是“尽量保证平台上的游戏者 ”The different income model is the key to distinguish platform P2P and financial P2P. “ Hu Honghui said. To the country’s largest offline P2P company Yixin, for example, the greater part of its revenue from the margin rather than fees. Unlike Yixin, there is no risk compensation fund for internal pat-pat loans and no large-scale bad debt recovery team. It even does not guarantee bad debts, but ”try to ensure that the game player on the platform