"Wang Wang Loan" the absence of insurance industry to push Peer-to-peer insurance to protect netizens imminent

"Wang-Wang loan" one months after the incident, the case is still in the foreseeable future, the road of Internet users rights into trouble. "Wang-Wang loan" is not the first to run into the storm of Peer-to-peer network loan platform, excessive investment risk has triggered a multi-party hot. In this regard, financial industry experts told reporters that the insurance industry should not be absent peer-to-peer network loans, compared to their own platform construction, using the international advanced experience to set up "principal protection" and other new types of insurance to protect the rights of netizens, is more urgent task. In Peer-to-peer network loan industry, netizens are the most vulnerable group, but it is the cornerstone of the development of the entire industry. Similar to "Wang-Wang loan" the frequent occurrence of the incident, has affected the development of the entire peer-to-peer industry. Many people in the industry are concerned that if the protection of netizens ' rights and interests can not be solved within a certain period of time, the development of Peer-to-peer network loan industry will have no future. The insurance industry to introduce new insurance to protect the rights of netizens is undoubtedly the best solution to this problem. The insurance industry is a huge individual, enterprise credit database, will be Peer-to-peer industry qualification audit to provide a strong help, will minimize the risk of Internet users, and even if there are irregularities, the insurance industry in time to pay can also greatly enhance the confidence of the Internet users, and then in the industry as a whole bigger than the foundation, the harvest of the results of win- Experts believe that in the current environment, the rapid development of Peer-to-peer network loans to show that it meets the needs of people, but because it involves the most vital interests of the masses, should not indulge this emerging industry barbaric growth. In addition to government supervision and other administrative means, market-oriented means should be more attention. If the insurance industry can intervene in the security of Internet users ' funds, will greatly enhance the Peer-to-peer network loan platform's wind control level, the establishment of a clear responsibility, the task of the Internet financial ecosystem, in the current emphasis on market-oriented relaxed policy environment, so that peer-to-peer network loan industry to obtain benign sustainable development opportunities. But from the current operation of the insurance industry, "the end of the house" is too obvious characteristics. From the introduction of Ping An insurance "Lu Jin" to Taiping Insurance out of the preparation of Peer-to-peer network loan Platform News, the insurance industry is currently taking advantage of the brand to directly participate in the division of the industry cake, but in the most adept in the field of insurance performance low-key. However, whether from the protection of netizens, investors ' basic rights and interests, or their own income, the insurance industry should first introduce new insurance to share the risk of Internet users ' investment, perfect peer-to-peer industry investment ecology, and realize the leap-forward development of its own business. At present, Peer-to-peer Network loan industry has higher investment risk, but also to China's insurance industry to provide a new opportunity for development. With bank loans and more collateral, the insurance industry if the Peer-to-peer network loans to introduce the corresponding type of insurance, it is equivalent to enter the unsecured loan guarantee market. In the current small micro-financing needs of the financial industry in the mainstream of the background, this insurance field presents a broad competition in the blue sea, although there is a certain risk, but expected up to 10 trillion of the market space is still full of reverie. With the development of China's economy, the pace of financial reform and innovation is speeding up, although the development of the process of inevitable setbacks, but if the joint efforts to ensure that the government's handsAnd the hands of the market to do their duty to protect the Internet users, investors, the most basic rights and interests, including Peer-to-peer network loan industry, the internet finance as soon as possible on the right track.