| Peer to peer lending is a kind of Internet financial model which directly gathers social idle funds to lend to people with borrowing needs.The development of the industry solves the problem of small and micro enterprises and individuals obtaining loans,and also meets the needs of financial consumers for maintaining and increasing the value of funds.Because of the loose market environment in the early stage,China's net loan industry has made rapid development in just a few years,but at the same time,the hidden dangers buried in the government supervision is also gradually revealed,and the net loan platform has been furious for years.As a typical representative of Ponzi scheme forest finance,mainly provides the network loan service for the individual and the enterprise which has the investment and financing demand,as the typical representative of the national network loan industry Ponzi scheme,effectively reflects our country net loan market management present situation.This paper discusses the case of "Shanlin Finance",is to use the loopholes in government supervision,packaging false financial products to carry out Ponzi scheme,the order of the network lending industry in China has caused a very bad impact,and today some of the good forest financial investors' arrears have not been recovered.Firstly,the paper introduces the internal situation of Shanlin Finance,and systematically describes the beginning and end of the Ponzi scheme from three angles of development process,capital flow and harmfulness;Secondly,according to the main characteristics of Ponzi scheme,find out the concrete manifestation in the case of Shanlin Finance,and further analyze the internal and external causes of the Ponzi scheme;Finally,according to the whole process of forming Ponzi scheme of Shanlin Finance,the author gives some suggestions to standardize the healthy development of China's net loan industry according to the problems found in platform,financial consumers and government supervision. |
PDF Full Text Request