| Rating Agencies | Index system | Weight setting | Rating Agencies |
| 360 Big Data Research Institute and Renmin University of China | Background Strength (30%), Platform Risk Control (25%), Operational Capacity (20%), Information Disclosure (15%), User Experience (10%) | The detailed weight is shown at left | 360 Big Data Research Institute and Renmin University of China |
| Chinese Academy of Social Sciences Institute of Finance and Jinniu Financial Network | Basic indicators, operational capacity, risk control, social responsibility, information disclosure | Analytic Hierarchy Process (rating using the percentage system, 90 points or more is AAA, 80 points to 90 points is AA, 60 points to 80 points is A.) | Chinese Academy of Social Sciences Institute of Finance and Jinniu Financial Network |
| Net Loan Home | Trading volume (10%), revenue (10%), popularity (18%), income (6%), leverage (6%), liquidity (5%), dispersion (16%), transparency (11%), Brand (18%) | Analytic Hierarchy Process | Net Loan Home |
| Tiger Financial and Palm Tree Planning | Background strength, management team, wind control capability, partners guarantee strength, IT system support, customer experience, Operational capacity, major issues | Through field research, subjective rating. | Tiger Financial and Palm Tree Planning |