P2P网络借贷是近年来在互联网金融创新大潮下新兴的行业,它在推进金融创新,促进普惠金融发展,拓宽居民投资渠道,增加居民收入,解决目前困扰我国中小企业融资难等问题方面具有巨大的促进作用,对推动我国的金融体制改革也起着一定的倒逼作用。然而,任何一个新事物出现的同时也会伴随产生相关的问题,P2P网络借贷也不例外。特别是近期以来,大量P2P网贷平台公司出现大量的负面事件,成为困扰该行业健康发展的重要问题。本文通过分析当前P2P网贷平台发展中存在的问题,提出旨在促进P2P网络借贷有序健康发展的四项举措。 P2P network lending is a newly emerging industry under the tide of Internet financial innovation in recent years. It has great potential to promote financial innovation, promote the development of inclusive finance, broaden the investment channels for residents, increase resident income, and solve the problems that have plagued the financing of SMEs in China so far The promotion of China’s financial system reform also played a certain role in the force. However, the emergence of any new things will also be accompanied by related problems, P2P online lending is no exception. In particular, a large number of negative events have occurred in a large number of peer-to-peer lending platforms in recent years and become an important issue troubling the healthy development of the industry. By analyzing the existing problems in the development of p2p lending platform, this paper proposes four measures aimed at promoting the orderly and healthy development of p2p lending.