Online lending is civil. Online lending is a civil dispute. If there is a dispute between the two parties, they can bring a lawsuit directly to the court. Online lending is a civil case, not a criminal case. If the borrower is suspected of committing a crime, the public security organ will investigate and deal with it according to law. Peer-to-peer lending, referred to as online loan for short, is a new financial service model that borrows funds through the Internet. Since 20 12, the number of online lending platforms in China has increased rapidly, with 350 active platforms, totaling 3,054. The emergence of online lending platform provides convenient trading channels for both borrowers and lenders, and also introduces the concept of Internet finance. Peer-to-peer lending mainly includes two forms: personal peer-to-peer lending and commercial peer-to-peer lending, and personal peer-to-peer lending.