1, lack of supervision, this can't be blamed on the policy, because Internet finance such as online lending is also a new thing. In China, the direction of 1 is lagging behind in supervision. Personally, I think the most important thing about the lack of supervision is the lack of access standards, so the harsh point now is that everyone can open a P2P platform. Dear friends, this is not selling cabbage. There is also 1 semi-financial gene, and financial gene is risk control. This kind of 1 must be cautious and strict.
2. The operational capability is not 1. It is also true that the platform closed down because of inadequate technology and unsustainable operation, which is different from moral hazard such as running away with money. The operational risk is not malicious subjectively, but it is lack of ability objectively, or it does not foresee enough risks.
3. Moral hazard. Most of the collapsed P2P platforms 1 are for this reason. The specific performance is that a mountain gun platform will give you high interest (even as high as 50% annualized income), and then enough people will follow suit. When the money is enough, the founder of the platform disappears.
Summary: Newcomers 20 17 don't vote for P2P. The thunder is very loud.