p2p网络借贷为很多无法从商业银行取得小额贷款的融资者提供了一条新的融资渠道。然而,p2p网贷平台在迅速发展的过程中,频频爆出倒闭、“跑路”等丑闻,这与p2p网络借贷平台法律制度缺失、监管制度不完善、征信体系不成熟有着密切的联系。应将p2p网贷平台纳入合理的监管体系,完善的法律制度保障。 p2p Internet lending provides a new source of financing for many financiers who are unable to secure microcredit from commercial banks. However, p2p network loan platform in the rapid development of the process, frequently burst out, “runway ” and other scandals, which is the lack of legal system p2p network lending platform, the regulatory system is not perfect, the credit system is immature with close contact. P2p network loan platform should be included in a reasonable regulatory system, improve the protection of the legal system.