为什么e租宝被查？e租宝是一家中国的互联网金融平台，于2013年成立。然而，在2015年底，这个曾经备受瞩目的公司却因涉嫌非法集资而被执法部门调查。那么，e租宝为何被查，这背后隐藏着怎样的问题呢？

首先，e租宝涉嫌违规运营。作为一家互联网金融平台，e租宝通过向投资者筹集资金，以高额回报为诱饵吸引更多参与者，然后将这些资金放贷给借款人，并收取高额利息作为回报。然而，根据中国银监会的规定，只有持有相应牌照的金融机构才能进行金融业务活动。而e租宝并没有获得相关牌照，从而涉嫌非法经营。

e租宝还存在着庞大的P2P网络借贷风险。作为一家互联网金融平台，e租宝的主要业务是P2P网络借贷，即个人之间的直接借贷。然而，这种业务模式存在很大的风险。在e租宝的案例中，许多投资者将大量资金投入其中，但借款人却无法按时还款。这导致了借贷风险的堆积，最终导致了平台的崩溃。因此，e租宝的非法集资行为加剧了整个系统的风险。

此外，e租宝存在着内外勾结的问题。调查发现，e租宝涉嫌与虚假出借人合谋，以掩盖其违规运营的事实。这些虚假出借人通过模拟借款和还款的过程，给人一种平台正常运作的假象。然而，实际上，这些出借人并不存在，这只是内部人员为了掩盖平台真实情况而进行的操作。这种内外勾结使得e租宝的非法经营更加隐蔽。

最后，e租宝还涉嫌涉黑。调查发现，e租宝的创始人聂宗雷与黑社会团伙有染。他利用黑社会的关系维稳和保护e租宝平台，为自己的违规行为提供保护伞。这种涉黑行为不仅违反法律，还给整个社会造成了负面影响。

总结起来，e租宝之所以被查，主要是因为其非法集资、庞大的P2P网络借贷风险、内外勾结和涉黑问题。这些问题使得e租宝的经营方式不合规范，对投资者和整个金融系统造成了很大的损害。这也提醒我们，互联网金融平台必须符合法律法规，并保持透明和稳健的运作方式，才能建立起投资者信任和行业的良好发展。

Why was e租宝 investigated? e租宝 is an internet finance platform based in China, established in 2013. However, at the end of 2015, this once highly regarded company came under investigation for alleged illegal fundraising. So, what led to the investigation of e租宝 and what underlying issues are involved?

Firstly, e租宝 is suspected of operating illegally. As an internet finance platform, e租宝 raised funds from investors, attracted by high returns, and then lent these funds to borrowers, charging high interest rates as returns. However, according to regulations set by the China Banking Regulatory Commission, only financial institutions with appropriate licenses can engage in financial activities. Unfortunately, e租宝 did not obtain the required licenses, thereby engaging in potentially illegal operations.

e租宝 also faced significant P2P lending risks. As an internet finance platform, e租宝's main business was P2P lending, which involves direct lending between individuals. However, this business model carries significant risks. In e租宝's case, many investors invested large sums of money, but the borrowers were unable to repay on time. This resulted in a buildup of loan default risks, ultimately leading to the collapse of the platform. Therefore, e租宝's illegal fundraising activities exacerbated the systemic risks.

Furthermore, e租宝 was involved in collusion and fraud. Investigations revealed that e租宝 allegedly conspired with fictitious lenders to conceal its illegal operations. These fictitious lenders simulated the process of borrowing and repaying, giving the impression that the platform was operating normally. However, in reality, these lenders did not exist; they were merely fabricated by internal staff to cover up the true state of the platform. This collusion between internal and external parties made e租宝's illegal operations even more deceptive.

Lastly, e租宝 is suspected of having ties to organized crime. Investigations uncovered connections between e租宝's founder, Nie Zonglei, and criminal gangs. Nie used these connections to stabilize and protect the e租宝 platform, providing a shield for his own illegal conduct. This involvement with organized crime not only violated the law but also had a negative impact on society as a whole.

In conclusion, e租宝 was investigated primarily due to its illegal fundraising, significant P2P lending risks, collusion and fraud, and association with organized crime. These issues rendered e租宝's business practices non-compliant and caused substantial harm to investors and the entire financial system. It serves as a reminder that internet finance platforms must adhere to laws and regulations, maintaining transparency and sound operational practices to establish trust among investors and foster the healthy development of the industry.