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一、引言2013年是互联网金融元年,互联网金融发展迅猛,其模式逐步分化为第三方支付、P2P互联网金融、众筹融资、大数据金融等。互联网金融在发展中问题频发,e租宝等P2P互联网金融公司因非法集资被查引发人们对互联网金融行业的信任危机,问题平台最终出现跑路、提现困难、停业等情况。截至2016年9月底,P2P互联网金融平台中累计问题平台数量超过2000家,占到总平台数的近一半。
I. INTRODUCTION 2013 was the first year of internet finance. Internet finance has developed rapidly. Its model has gradually divided into third-party payment, P2P internet finance, crowdfunding, and big data finance. In the development of Internet finance, frequent problems have arisen. E-leobao and other P2P internet finance companies have been found to have triggered a crisis of confidence in the Internet financial industry due to illegal fundraising. The problem platform eventually has problems with running routes, making cash withdrawals, and shutting down businesses. As of the end of September 2016, the cumulative number of platforms in the P2P internet finance platform exceeded 2,000, accounting for nearly half of the total number of platforms.