1. Lenders are different: P2P lending is an individual with a small amount of funds. Generally, in order to reduce risks, funds will be dispersed in two directions, that is, a borrower's loans come from multiple different investors, or an investor's funds are lent to multiple borrowers. But in any case, every loan exists independently. However, the target of illegal fund-raising is the unspecified public rather than a few specific people.
2. Borrowing purposes are different: p2p absorbs funds for production and life. Generally speaking, borrowers have the willingness to repay and can repay the raised funds in time. The purpose of illegally absorbing public deposits is to use the absorbed funds to make loans for profit.
3. Different rate of return: p2p's rate of return is better than the bank's interest rate in the same period, but the interest rate is limited by law, which is within 4 times of the interest rate in the same period. The high interest rate of illegal fund-raising is much higher than the corresponding rate of return. Once the capital chain is broken and cannot be recovered, the lender's funds will not be guaranteed accordingly.
There are three main situations that may lead to illegal fund-raising in P2P field:
1. Some P2P lending platforms sell loan demand to lenders by designing them as wealth management products. Or collect funds first, then find a borrower, and let the lender's funds enter the intermediate account of the platform, which is actually controlled and dominated by the platform.
2. The 2.P2P lending platform failed to fulfill its obligation to verify the authenticity of the borrower's identity, and failed to discover or even acquiesce in the fact that the borrower published a large number of false loan information on the platform in the name of multiple false borrowers.
3.P2P lending platform issues false high-interest loan targets, even false self-financing targets, and adopts the "Ponzi scheme" mode of borrowing the new and returning the old, raising a large amount of funds to meet their own capital needs in a short time, and some operators even abscond with the money.
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Extended data:
Illegal fund-raising has the following characteristics:
1, without the approval of relevant departments according to law, including fund-raising without the approval of departments with approval authority; The department with the power of examination and approval ultra vires to approve fund-raising, that is, the fund-raiser does not have the qualification of fund-raising subject.
2. Promise to repay the principal and interest to investors within a certain period of time. The form of debt service is not only monetary, but also physical and other forms.
3. Raise funds from unspecified social objects. The "unspecified object" here refers to the public, not a specific minority.
4. Cover up the essence of illegal fund-raising in a legal form. In order to cover up their illegal purposes, criminals often sign contracts with investors (victims) and pretend to be normal production and business activities in order to maximize their ultimate goal of defrauding funds.
References:
/baike.baidu.com/item/ Measures for Banning Illegal Financial Institutions and Illegal Financial Business Activities /7925 168? Fr=aladdin"target="_blank "> Baidu Encyclopedia-Measures for Banning Illegal Financial Institutions and Illegal Financial Business Activities /baike.baidu.com/item/ Illegal Fund Raising" target = "_ blank"> Baidu Encyclopedia-Illegal Fund Raising