Why should p2p online loans be guaranteed?

The so-called "de-guarantee" means that the P2P platform itself cannot provide guarantee for investors, but can only be positioned as an information intermediary to match the direct transactions between the investment and financing parties. 20 15 with the further development of the online loan industry, it is inevitable that P2P will be "de-guaranteed". The so-called "de-guarantee" means that the P2P platform itself cannot provide guarantee for investors, but can only be positioned as an information intermediary to match the direct transactions between the investment and financing parties. Then the question is, why should P2P guarantee? Requirements of regulatory policies. Since P2P online lending entered the regulatory horizon, although the formal policy has not yet been promulgated, both the central bank, the China Banking Regulatory Commission and local governments have repeatedly expressed their views and reiterated the same and basic regulatory principles. Among them, the nature of P2P platform, that is, it is positioned as an information intermediary, and the platform itself cannot provide guarantee for transactions, which has also become the bottom line for local government management by various regulatory departments. No matter what the final specific policies are, this bottom line cannot be loosened and changed. Requirements for the sustained and healthy development of online loans. With the continuous development of the online lending industry as a whole and the rapid growth of the platform itself, the transaction scale in peer-to-peer lending is bound to increase exponentially. If all transactions are guaranteed by the platform itself, obviously no platform, no matter how big, can afford it. For example, at the beginning, a platform had bad debts 1 100 million, and finally it was covered by itself. If the transaction scale is larger, what about the risks of 1 billion and 5 billion? Can the platform itself withstand it? If the whole risk is borne by the platform itself, obviously no platform can bear it, then everyone can only go bankrupt. In this way, the online loan industry can't really develop and grow, and it loses its value as Internet finance. Therefore, de-guarantee is a prerequisite for the development of the industry. Requirements for safeguarding the interests of investors. Many investors are particularly ashamed to "claim to provide a platform with a bottom". It is true that it is commendable that the platform can face and bear the risks with a responsible attitude. But the question is, is the platform really capable? Moreover, from another point of view, if the platform problems occur frequently, doesn't it just mean that the platform's own risk control ability needs to be reflected? What really protects investors' interests effectively is "excellent risk control, which can avoid risks to the greatest extent, and even if risks occur, there is a corresponding and reliable protection mechanism", and it is definitely not "weak risk control and lax operation management can be solved only by an empty promise"! Therefore, no matter from which aspect, "de-guarantee" is both inevitable and the same choice to balance the interests of all parties.