Is it true to enforce the law on flowers?

The formal platform will indeed be enforced, but illegal online lending is not protected by law, and the law will not enforce illegal online lending.

First, P2B mode:

1.P2B platform is characterized by individual to organization, and the specific operation mode is risk control by the third party. The platform connects the risk control projects or targets of third-party organizations with investors on the platform, and intelligently solves the problems of unprofessional risk control and poor risk control level of the platform.

2. The institutions cooperating with P2B platform are usually strong, with strong risk control ability and high risk control level. Therefore, generally speaking, the risk of P2B business model is far lower than that of P2P business model, and the security is more worthy of investors' trust.

3. number three. According to different institutions, P2B platforms can be subdivided into the following types:

First, a platform for cooperation with guarantee companies;

The second is a platform for cooperation with small loan companies;

Third, a platform for cooperation with factoring companies and financial leasing companies;

The fourth is a platform for cooperation with powerful licensed formal financial institutions such as securities companies, four major asset management companies and banks.

4. General guarantee companies have weak risk control ability, followed by financial leasing companies and factoring companies, and small loan companies are slightly stronger. Securities companies, four asset management companies, banks and other licensed formal financial institutions have strong strength, the strongest risk control ability and the highest level of risk control.

5. Therefore, among these types of P2B platforms, the first risk is greater, followed by the second and third risks, while the fourth platform, such as Boundless Wealth and People's Livelihood Easy Loan, which cooperates with powerful licensed formal financial institutions such as securities companies, four asset management companies and banks, has the lowest risk, the highest security and is most worthy of investors' trust.

Second, account supervision.

1.The main reasons for the escape and fraud of P2P platform are: lack of supervision over the intermediate fund account, and P2P platform has the right to allocate the funds in the intermediate account.

2. Intermediate fund account is set up for transaction verification and posting, and its establishment is a necessary part of P2P platform. However, at present, the intermediate fund accounts of domestic online lending platforms are generally in a regulatory vacuum, and the right to allocate funds is still in the hands of the platform. If the time difference and terms are not strictly controlled, the moral hazard caused by depositing funds into intermediate accounts such as "running away with money and using it for other purposes" is great.

3. Therefore, by monitoring the source, custody, settlement and ownership of capital flow, analyzing the roles of all parties involved in credit activities in detail, and monitoring the "special account" of intermediate capital accounts, the possibility of P2P online lending platform intervening in illegal fund-raising or commercial fraud can be avoided, and it is also beneficial for relevant departments to conduct social financing statistics and monitoring analysis.

4. Domestic P2P online lending platforms generally open intermediate fund accounts in banks and third-party payment platforms to realize intermediate transfer settlement. The general attitude of fund custodians is to allow accounts to be opened, but not to promise supervision. The regulatory authorities may consider designating a custodian institution to be responsible for the intermediate fund account, so that the platform itself can only view the account details, but can't call the funds at will. In addition, it is also possible to set up a professional certification body to conduct fund security certification independently of the P2P platform.