本文浅析了P2P网络借贷平台的在国外的由来,及其在国内的发展状况。并针对国内一些P2P网络借贷平台的发展现状,并对其存在的问题进行总结,提出相应的解决对策。在过去,当人们遇到资金问题时,要么是通过银行进行有息贷款,要么就是找高利贷公司或者自己的亲戚朋友。而现在这些方法已经很难满足高速发展的经济社会了,随着互联网的发展,诸多互联网金融创新公司已然开始初露锋芒,与金融筹资公司、第三方支付等行业发展初期的境况相类似,纵使有诸多的批评和反对的舆论,P2P网络借贷平台也在逐渐蓬勃发展阶段,并且可以说是越来越完善,越来越规范了。 This article analyzes the origin of P2P online lending platform in foreign countries, and its development in the country. Aiming at the development status of some domestic P2P lending platforms, the author summarizes the existing problems and puts forward corresponding solutions. In the past, when people ran into financial problems, they either made interest-bearing loans through banks or looked for usury companies or their relatives and friends. Nowadays, these methods have been hard to meet the rapid economic development. With the development of the Internet, many Internet financial innovation companies are already beginning to emerge. Similar to the initial development of such industries as financial financing companies and third-party payment, even though there are many Criticism and opposition of public opinion, P2P online lending platform is also gradually booming stage, and can be said to be more and more perfect, more and more standardized.