Among the many niche areas in internet finance, the peer-to-peer (P2P) online lending platforms which has been of interest to the general public, have caught much attention of the industry, not least because of its problems in the recent two years. Anbound's scholars are of the view that the country’s P2P lending platforms will face enormous challenges and transformations as the call for regulatory control increases. If the country’s P2P lending platform were to reform into intermediary, then they will have to give up many of their existing business which in turn means giving up the handsome profit from financial products. Such transformation will prove difficult in China’s market.