>>P2P网贷平台应坚持几个原则:借贷关系不能改变、信息不能错配、债权不能错配、资金不能错配、期限不能错配。2011年以来,P2P行业的高歌猛进一直伴随着刺耳的声音:P2P网贷平台倒闭和老板高管跑路事件层出不穷,导致外界对P2P网贷行业的质疑不绝于耳,加剧了投资者的疑虑和恐惧,削弱了原本就脆弱的市场基础,也延缓了整个行业的发展。笔者认为,出现这些问题,原因有三,各有其特点。原因之一:动机不纯,恶意诈骗。主要特点:虚拟借款人信息,挪用资金,甚至非法集资。 >> P2P network loan platform should adhere to several principles: the loan relationship can not be changed, the information can not be mismatched, claims can not be mismatched, the funds can not be mismatched, the deadline can not be mismatched. Since 2011, P2P industry has been accompanied by a sarcastic triumph: the collapse of peer-to-peer lending platform and the rush of boss executives led to an endless stream of doubts and fears from investors in P2P lending industry, which weakened and weakened The original fragile market base, but also delayed the development of the entire industry. The author believes that these problems arise for three reasons, each with its own characteristics. One of the reasons: impure motives, malicious fraud. Main features: Virtual borrower information, misappropriation of funds, and even illegal fund-raising.