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P2P网络借贷平台属于民间金融的一种创新模式,它的兴起为民间资金的流动提供了更加便捷的途径。笔者认为应当从监管、信用机制和民间借贷法律制度三个角度进行相应的完善,使我国P2P网络借贷平台能够健康发展。
P2P network lending platform belongs to an innovative model of private finance, and its rise provides a more convenient way for the flow of private funds. The author believes that we should make corresponding improvements from the perspectives of supervision, credit mechanism and the legal system of private lending so that our P2P lending platform can develop healthily.