It needs to be returned. Speaking of P2P online lending, it is an industry that people love and hate. When P2P first came out, it was touted by many people. Capital, individuals, and enterprises all flock to P2P, and P2P has become a pig in the limelight in a short time. However, the runaway wild horse can't run far after all. Under the background of the barbaric growth of P2P, the existing problems are constantly exposed. Many platforms started illegal financing activities in the name of P2P, and the regulatory authorities stopped it in time after discovering this problem.

Therefore, since 20 17, the regulatory authorities have stepped up their supervision of P2P platforms, and then many platforms ran away, closed down, had difficulties in withdrawing cash or actively shut down. By the end of 20021,more than 5,000 P2P platforms in China had all closed down and trillions of industries had collapsed. /kloc-how many P2P platforms have been produced in China since 0/0? How much money has not been recovered from this P2P platform? Do borrowers still need to pay back the money owed to these platforms? In response to this question, we will answer it in two parts.

1. What are the P2P platforms in China? The domestic 1 P2P platform was established in 2006 and officially launched in 2007. After the auction of loans, several P2P platforms have appeared in China, but they are all tepid. From 2007 to 20 10, there were only dozens of P2P platforms in China. However, from 20 1 1, the P2P platform began to grow obviously, and in 20 13 years, the P2P platform entered a stage of rapid development. In just 20 13 a year, more than 400 P2P platforms have been added, and 20 14 and 20 15 are the gold of P2P in China.

In 20 14, more than 600 P2P platforms were added, and in 20 15, more than 900 P2P platforms were added. However, in 20 16, with the introduction of P 2P regulatory policy in China, the number of new P2P platforms decreased rapidly. There were only about 500 new P2P platforms in that year, and it was reduced to about 300 in 20 17, and even to dozens in 20 18. After more than ten years of development, the number of P2P platforms in China has reached more than 5,700, close to 6,000.

These P2P platforms are mainly distributed in Guangdong, Beijing, Shanghai, Zhejiang, Shandong, Jiangsu and other provinces. Among these P2P platforms, lufax, Hongling Venture Capital, Paipai Loan, Microfinance Network, Youwo Loan, Aiqianjin, Renren Loan, Yilong Loan, Xiaoyin Online Loan, Pleasant Loan, Building Block, CreditEase Huimin, Copper Street, Jiufu Pratt & Whitney, Group Loan Network, Netcom Pratt & Whitney, Mavericks Online, PPmoney, Jubaohui and Dianrong.com. However, there are very few platforms that really engage in P2P business, and most of them are selling dog meat and illegally financing in the name of P2P.

As a result, under the stricter background of the regulatory authorities, these Ponzi schemes on P2P platforms finally failed. After the reduction of investors, many platforms have broken the capital chain, which makes it difficult for many platforms to run or withdraw cash. According to the statistics of related platforms, by the end of 2020, among more than 5,700 P2P platforms, 52.23% were lost, 17.89% had difficulty in withdrawing cash, 12.35% was closed down, 5.9% was investigated by the police, 3.07% was suspected of fraud, and 65,438% ran away.

The problems of these P2P platforms have caused great losses to many investors, and the transaction volume of P2P platforms has reached trillions during the subversive period. Although in recent years, with the intervention of regulatory authorities, most investors in many platforms have been able to get their money back, so far, there are still 490 billion balances in the P2P industry in a bad state. Of this 490 billion balance, some funds may be raised by the platform itself, or consumed by some senior executives of the platform, and some are borrowed by real customers.

Second, do you still need to pay back the money owed to the P2P platform? Many people may think that many P2P platforms are running away now, and even more than half of them are in a state of losing contact. These platforms don't charge money at all. Don't you have to pay back the money you owe them? I can tell you clearly here that the borrowed money must be returned. We should make it clear that the money we borrow is not borrowed from various platforms, but from investors of various platforms. P2P platform only acts as a bridge, and the real creditor is the person who invests in the platform.

This means that no matter whether the platform closes down, runs away or loses contact, the creditor's rights of investors always exist. As long as these investors do not give up this part of the creditor's rights, the borrower needs to repay it. Moreover, from the actual situation, even if the P2P platform goes bankrupt, investors can still ask borrowers to repay their debts in various ways. The method of 1 is that some P2P platforms voluntarily quit, and they will keep some collection teams to collect the borrowers' money to repay the investors' money.

Another situation is that P2P is lost or running away. The police will take over the data of these platforms, and investors will take the initiative to report the information to the police, and then the regulatory authorities will be responsible for handling it. These debts may eventually be entrusted to a third-party collection company for collection. The last way is that if the police take over too many platforms and the efficiency is slow, borrowers can also unite to set up a debt rights protection team and entrust lawyers or other asset management companies to collect debts. Therefore, no matter from which angle, as long as the investor does not give up, the borrower's money needs to be returned.