近几年来,P2P网络借贷在中国悄然兴起并迅速发展,与此同时,也出现了许多潜在问题。本文选取P2P网络借贷在发展过程中遇到的几个典型问题进行研究分析,并针对各个问题给出了相应的解决办法——通过信号传递解决逆向选择问题;引入信用担保机构防范道德风险;针对羊群效应采取完善征信体系等措施。 In recent years, P2P online lending has quietly risen in China and has developed rapidly. At the same time, many potential problems have emerged. In this paper, several typical problems encountered in the development of P2P network lending are analyzed and studied, and corresponding solutions are given to each problem - solving the problem of adverse selection through signal transmission; introducing credit guarantee agencies to prevent moral hazard; Herding effect to improve the credit system and other measures.