Identification And Prevention Of Pseudo Internet Financial Platform Basing On The Case Studv Of Qianbao

In recent years,with the vigorous development of Internet finance,its financial products and services have gradually integrated into all aspects of the social economy,and have become an important force in the financial sector in China.Based on Internet technology,Internet finance industry has innovated the traditional financial mode,provided effective financing channels for long tail groups who can not be covered by traditional financial institutions,and alleviated the problems of financing difficulty and financing cost to a certain extent.However,under the background of "the mass entrepreneurship and the mass innovation",there are some pseudo Internet financial platforms carrying out the banner of financial innovation and illegally raising funds in the mode of "Ponzi scheme",which not only disrupts the order of the Internet financial markets,But also hindered the compliance Internet finance industry development.For the entire Internet finance industry,the Internet is the technology foundation,finance is the content,and security is the bottom line.Therefore,it is necessary to eliminate all the negative factors affecting the healthy development of the industry,and effectively protect the interests of financial consumers.This paper will take the recent illegal fund-raising case involving a larger amount of money and investors as an example,to study the identification and prevention of the pseudo-Internet financial platform.First of all,in order to grasp the industry development trend and the policy background,the article reviews the development status of Internet finance industry and supervision policies in recent years.Secondly,this paper will summarize the characteristics,theories involved,core elements and main steps of Ponzi scheme,besides,this paper list several classic cases,so that paves the way for the following case analysis.Next,this paper will describes the QianBao case,reveal the fraud of this Ponzi scheme,and analyze its causes in depth.In addition,this paper will put forward the method of identifying the pseudo-Internet financial platform from four aspects,and then verifies the effectiveness of the method through the comparative analysis of QIANBAO platform and DUANRONG platform;on this basis,to prevent Ponzi schemes,the paper put forward some measures in two aspects:pre-prevention and post-hit strike.Finally,based on the previous research,this paper will make some suggestions to regulate the development of the Internet finance industry.