P2P网贷这种交易模型为金融创新,从诺贝尔和平奖获得者尤努斯所设计出来的雏形中演发而来。在金融排斥下中国有广阔市场。然而其天生民间性导致管控较为困难且当下中国虽有市场但是民事商事思维不同,同时对非法集资警惕,致其处境模糊且尴尬甚至风险运行。本文将从其起源,运作方式,具体存在风险和制度设计等方面来介绍P2P。 Peer-to-peer trading is a model of financial innovation developed from the prototype designed by Nobel Peace Prize winner Yunus. China has a vast market under financial exclusion. However, its innate non-governmental nature leads to more difficult regulation and control. At present, although China has a market but its commercial thinking is different, its vigilance against illegal fund-raising has left its situation vague and embarrassing and even risky. This article will introduce P2P from its origin, mode of operation, specific risks and system design.