P2P Lending Platform Involved In Crime And Its Prevention

P2P,known as peer-to-peer or person to person,has aroused wide public concerns over the past two years.As an typical example of internet finance that combines internet and tranditional lending industry,P2 P has great significance in resolving financing difficulty of small enterprises and private capital allocation.Along with the fast development of P2 P lending,however,is the lack of law supervision on P2 P investors,platform operators and lenders,resulting in risks such as credit risks,operating risks and legal risks,or even raising funds by means of fraud.In this sense,research on crimes on P2 P lending platform is necessary in therotical and pratical sense.This paper is divided into five parts.First it will briefly introduce the concept and operation of P2 P lending platform,then it will look into several frequently occured cases of crime on P2 P lending platform,analyze the impact of this crime on the financial order and social stability,and try to dissect the reason of crime utilizing P2 P lending platform from the perspectives of investors,P2 P lending platform operators and lenders.Finally the paper will provide suggestions on improving industrial credit managment and monitoring system,establising the market entry and exit mechanism,and enhancing internet safety.