Business Ethics Risks and Governmental Regulatory Mechanisms of Taiwan's P2P Lending Platforms

This study aims to investigate the business ethics risks associated with the operation of Taiwan's P2P lending platforms and the regulatory mechanisms implemented by governmental authorities. Using a case study methodology, we conducted an in-depth analysis of the ethical challenges prevalent in P2P lending platforms, including the causes of ethical risk events, their impact on the platforms and investors, and the shortcomings of existing legal frameworks. The research further examines the regulatory measures taken by government agencies to safeguard investors' rights and mitigate risks such as ethical misconduct and financial fraud on P2P lending platforms. We analyzed the strengths and weaknesses of current regulatory mechanisms and proposed improvements to enhance their effectiveness and responsiveness. Finally, based on the findings, this study offers practical recommendations and strategies to reduce ethical risks and prevent financial fraud in P2P lending platforms. The research outcomes aim to assist government agencies in formulating more effective policies and measures to protect investors' rights, ensure the stability of financial markets, and promote the sustainable development of the P2P lending industry. JEL classification numbers: G23, G28, M16.