P2P网贷的出现,为我国中小企业提供了一个全新的借贷平台,同时为我国借贷市场注入了新的活力,成为了一种新时代的融资方式和工具。随着互联网金融的兴起,P2P网贷受到了大众的广泛关注和认可,但作为一种新兴的借贷平台,P2P还存在诸多问题。本文围绕我国P2P网贷行业进行研究,首先介绍该行业的主要运营模式及特点,其次针对P2P目前存在的问题进行分析,最后通过对策研究寻求解决问题的方案,以促进其健康稳定发展。 The emergence of peer-to-peer lending has provided a brand new platform for lending to SMEs in our country. At the same time, it has infused new vitality into China’s lending market and became a new era of financing methods and tools. With the rise of Internet finance, P2P net loans have received wide public attention and recognition. However, as an emerging lending platform, P2P still has many problems. This paper focuses on the research of P2P net loan industry in our country. Firstly, it introduces the main operation mode and characteristics of the industry. Secondly, it analyzes the existing problems of P2P, and finally seeks to solve the problem through countermeasures to promote its healthy and stable development.