P2P网络借贷具有金额较小、不受地域与时间限制、借款利息与期限较灵活、参与门槛较低等优势,近年来得以快速发展。由于发展迅速随之而来的问题平台也不断增多。目前我国P2P平台主要面临信用、监管、技术以及经营四大风险。为防范P2P平台的风险应从政府监管、平台本身和参与者三个角度入手,完善监管制度、加强平台建设、增强理财判断能力。 P2P network lending has the advantages of small amount, not limited by region and time, more flexible interest and term of borrowing, lower participation threshold, and rapid development in recent years. As a result of the rapid development of the ensuing platform has also increased. At present, China’s P2P platform is mainly facing credit, regulatory, technology and management of the four major risks. In order to prevent the risk of P2P platform, we should start from three aspects: government supervision, platform itself and participants, improve the regulatory system, strengthen the platform construction and enhance the ability of financial management to judge.