This picture taken on Dec 17, 2015 shows the padlocked door of peer-to-peer lender Ezubao in Hangzhou in China's eastern Zhejiang province. Chinese authorities have arrested 21 people on suspicion of defrauding around 900,000 people of more than 50 billion yuan (7.6 billion USD), state media reported, after an online peer-to-peer lender turned out to be a giant Ponzi scheme. Ezubao offered investors annual returns of between nine percent and 14.6 percent on various projects, the official Xinhua news agency reported -- far more than currently offered by Chinese banks' wealth management products. CHINA OUT AFP PHOTO / AFP / STR (Photo credit should read STR/AFP/Getty Images)
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