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Person in charge said that at present the industry, although the loan interest rate is 24% of open standards, but in practice, has already exceeded the red line, and through management fees, consulting fees, service fees were the first charges in the form of a variety of borrowing those 'differences' make up. Liu Xinyu said that lending rates recently proposed a new standard for 36% of the platform set up between a buffer between 24% to 36% 12 points, but for the loan rate of interest exceeds 36% of the red line of this channel platform, do not rule out in the future renovation will take drastic measures. 'For reality, on the one hand to ensure the normal requirements of private financing, the other part of the release, will focus on remediation targeted in lending rates more than 36% of the platform.' Xinyu said. With the development of P2P industry, 'credit intermediary' P2P net loan has become an open secret. After 'guidance' issued, P2P net loan platform can only do information intermediary position to be 'officially determined.' Family data net loan of, as of 2015 the end of 7, P2P industry normal operating platform for 2136, growth 5.32%. Among them, the number of new on-line platform for the 217, the new issue platform 109. As of the end of July 2015, reached a total of 895 issues platform. 'Regulations' Article 22 noted that both lenders and borrowers lending relationships formed through the network lending platform, network platform loans to intermediary service providers only, the parties request it to assume security responsibility, the people's court shall not support. Loan provider network platform via the web, advertising or other media explicitly or other evidence to prove that provide security for the loan, the lender requesting network lending platform providers assume security responsibility, the people's court should be supported. Currently, P2P net loan industry most advance commitments, net loan House CEO Dan Pengfeng to the 'First Financial Daily' correspondent resolve advance four ways: The first one is the most original platform to advance directly to assume security responsibility; second, advances secured by a third party company, but more as a platform for the third party affiliate; risk reserve for the third mode; the fourth is the insurance company with P2P net loan platform cooperation, jointly launched compliance liability insurance. Shipeng Feng said, 'provisions' on the one hand shows the regulators for P2P platform targeted at information intermediaries