Recently, the central bank officials disclosed the risk of online P2P loans and defined three restricted platforms namely capital pool mode, illegal fundraising risks led by unqualified borrower as well as Ponzi scheme. From Anbound's point of view, it is still questionable whether those definitions from the central bank are capable to crackdown the P2P illegal fundraising platforms. Reason being, those platforms lack of loyal clients due to the attraction of high interest rate and no advantages in term of online data support and assessment.