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近年来，中国P2P网贷频繁爆雷，催生大量“金融难民”，中南海无力解决。李克强12月24日在国务院常务会议上承认，这种非法集资形势依然严峻。有分析认为，当局以非法集资名义立案，这意味着投资受损的人们将血本无归。
据中共政府网12月24日发布的新闻稿，李克强表示《防范和处置非法集资条例（草案）》条例出台，非常有必要。他强调，非法集资形势依然比较严峻，“一定要时刻瞪大眼睛”。
【中国观察2020年12月26日讯】早年，中共当局提倡发展网际网路金融，可由于政府的加入，监管的缺失，近年来P2P网贷机构频繁暴雷，上百万金融难民血本无归，维权事件频发。
P2P网路借贷（peer to peer lending），也称社交借贷，是指个体和个体之间通过网际网路机构实现的直接借贷。中共银保监会官员日前表示，原有的5000家P2P网贷机构已经完全归零。
独立智库天钧政经认为，P2P网贷已经沦为一个资金池转动的庞氏骗局，都是后面投资者的本金支付前面投资者的利息，一旦全面封杀，意味着又有不少投资者会血本无归。
另外，目前已经被警方立案的P2P网贷案件，均被指控非法吸收公众存款罪和集资诈骗罪。按照官方规定，参与者的利益不受法律保护，投资者基本上很难拿回自己的本金。
12月7日，约4000名玖富普惠平台受害人到玖富北京总部维权，警察殴打维权民众，喷辣椒水，把维权民众拉上大巴车。玖富爆雷造成34万出借人血本无归，涉案金额300亿元（人民币，下同）。
12月10日世界人权日，中国各地金融难民到北京和各地省府维权，他们打出“病毒天灾，玖富人祸”、“篡改合同，金融诈骗”、“金融创新失败，岂能嫁祸百姓非吸！”等口号。
政经评论人士王赫直言，官方将P2P网贷机构完全归零，那些巨额债务怎么办？是不是同时也被清零了呢？
据此前报导，今年8月，中共银保监会主席郭树清曾公开表示，截至今年6月，网贷平台“还有出借人的8000多亿元没有回收”。
有评论人士批评中共对P2P案件的不公正处理，指中共监管形同虚设，加之中共权贵阶层、官员介入P2P项目敛财，加速P2P爆雷，最终中共百姓沦为被收割的韭菜。而中共对P2P受害者不仅不救助，反而高压“维稳”，打击维权者。
2018年9月6日，杭州一名31岁的女子被国资入股的P2P网站坑害近百万资金，该女子前往维权又遭当局暴力打压，悲愤之余留下一封遗书，自杀身亡，事件引发舆论强烈反响。而这名单亲妈妈，只是千千万万P2P受害者的一分子。
Li Keqiang admitted at a State Council meeting on Dec. 24 that the situation of illegal fundraising remains relatively serious. (Andrea Verdelli/Getty Images)
In recent years, China's P2P loans have frequently exploded, giving rise to a large number of "financial refugees" that Zhongnanhai is unable to solve. Li Keqiang admitted at a State Council executive meeting on Dec. 24 that the situation of such illegal fundraising remains dire. Some analysts believe that the authorities have filed a case in the name of illegal fund raising, which means that people whose investments have been damaged will lose their money.
According to a press release issued by the Communist Party of China government website on December 24, Li Keqiang said the "Prevention and Disposal of Illegal Fund Raising Regulations (Draft)" regulations were introduced, it is very necessary. He stressed that the situation of illegal fund-raising is still relatively serious, "must always keep a sharp eye.
In the early years, the Chinese Communist Party authorities advocated the development of inter-network Internet finance, but due to the government's participation and the lack of supervision, P2P lenders have frequently thundered in recent years, with millions of financial refugees losing their money and frequent incidents of rights protection.
P2P lending (peer to peer lending), also known as social lending, refers to direct lending between individuals and individuals through inter-net institutions. Officials from the Communist Party of China's Banking and Insurance Regulatory Commission recently said that the original 5,000 P2P lenders have been completely zeroed out.
According to independent think tank Tianjun Political Economy, P2P online lending has been reduced to a ponzi scheme with a spinning pool of capital, where the principal of the back investors pays the interest of the front investors, and once it is fully blocked, it means that many more investors will lose their money.
In addition, the P2P lending cases that have been filed by the police so far have been charged with the crimes of illegal public deposit taking and capital raising fraud. According to the official rules, the interests of participants are not protected by law, and it is basically difficult for investors to get their capital back.
On December 7, about 4,000 victims of the Nine Rich platform went to Nine Rich's Beijing headquarters to defend their rights, and police beat the rights-holders, sprayed them with pepper water, and pulled them onto buses. The explosion caused 340,000 lenders to lose their money, and the amount involved was 30 billion yuan (RMB, same below).
On December 10, World Human Rights Day, financial refugees from all over China went to Beijing and provincial capitals to defend their rights, with slogans such as "Viral disaster, man-made disaster", "Contract tampering, financial fraud", and "Financial innovation failed, how can you blame people for non-sucking? The company's financial innovation failed. The company's slogan is "The virus is a natural disaster.
The official P2P lenders will be completely zeroed out, so what about those huge debts? Is it also zeroed out at the same time?
As previously reported, in August this year, Guo Shuqing, chairman of the Communist Party of China's Banking and Insurance Regulatory Commission, said publicly that as of June this year, online lending platforms "still had more than 800 billion yuan from lenders that had not been recovered".
Some critics have criticized the CCP's unfair handling of P2P cases, saying that the CCP's regulation is a sham, and that the involvement of the CCP's powerful class and officials in P2P projects to enrich themselves has accelerated the explosion of P2P mines, and ultimately the people of the CCP have become the leeks to be harvested. The Chinese Communist Party not only does not rescue the P2P victims, but also "maintain stability" and crack down on those who defend their rights.
On September 6, 2018, a 31-year-old woman in Hangzhou was victimized by a state-owned P2P website, and she was violently suppressed by the authorities, leaving a suicide note and dying. The single mother is just one of the millions of P2P victims.
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