Case Analysis Of E Zubao

Based on the modern Internet technology,Internet Finance by virtue of its own characteristics and advantages,in recent years in China rapidly develop,and has become an important complement to the traditional financial industry.The network lending industry can be called on behalf of the Internet financial,in the rapid development at the same time,the platform collapse and run away continuously.The problems of the platform of ezubao is obvious.In January 11 th.2016,Shenzhen Bureau of economic crime investigation ezubao to public deposits illegally charges investigation,launched a judicial procedure.The influence scope of cases throughout the country 31 provinces,involving up to about 900000 investors,therefore concern.All of this make it become a certain representative platform.This article takes the ezubo company and the case review as the breakthrough point.From the two aspects of investment products and the scale of net loan,this article introduce the platform of ezubo.In accordance with the development process of the case and the main flow of funds this article comb the investigation of the case of ezubo.Through the analysis of the case,this paper focuses on analysing the major effect,which caused to society and family,the Internet financial industry,of the event of ezubao.There are five major issues in the operation period of ezubao: false operation,high standard against Internet Financial intention,borrowing rates against the project interest rate term structure theory,capital management the platform,poor quality of missing employees;the investors and the net loan industry had suffered from the collapse in ezubao,a large number of investors funds can not be recovered,the net loan industry reputation.This paper expounds the internal reasons of the false propaganda,the internal risk management and control mechanism is not perfect,and the defects of the guarantee mode in the platform of ezubo,as well as investors to identify the ability to weaken the risk,the government regulatory mechanism is not perfect and other external reasons Internet,which is the main factor in the final criminal cases to ezubo.Finally,some suggestions are put forward to strengthen the risk management and control of the net loan platform,improve the risk prevention ability of investors,and improve the externalsupervision system of the net loan platform for providing reference and reference for the development of net loan industry in China.