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In accordance with the law, the funds obtained from the clients of P2P network platform in China must be deposited with the bank. However, the bank depository of the customer funds can’t really solve the platform's control of customer funds, and the fund pool and self-financing can be completed indirectly, which is not conducive to the development of the industry. This paper analyzes the real difference between China depository and trusteeship is the real review of P2P loan platform by empirical analysis of the depository and using comparative analysis method. Based on this, the client funds should be managed by the bank, only in this way can the industry's credibility be improved and keep the client's funds

On the Risks and Solutions of the Bank Depository in P2P Client Funds