By the end of 2014, Chinese P2P platform has reached 1575, with a total turnover of 250 billion, the platform "defect rate" up to 17.46%, per 6 platform there is a problem. Emirates International recently announced 266 P2P net loan platform blacklist and 676 warning list, Ping Lu's and China's first gold so pat loan P2P platforms are on the list, a time of hot lead. 2015 P2P industry unregulated, low threshold, risk control runaway status quo will change it?