P2P网络借贷近年来在我国发展迅速,一定程度上说,它是互联网时代金融行业创新发展新阶段的产物,但随着市场的扩大,因为预期投资回报率过高和政府缺乏统一的征信平台等原因使非法集资、“跑路”等问题一直困扰着这个行业,导致P2P网络贷款平台隐含着巨大的道德和法律风险。本文简单介绍了P2P网络贷款平台的发展现状,分析了目前存在的问题并提出相关政策建议。 P2P network lending has developed rapidly in our country in recent years. To a certain extent, it is a product of the new stage of innovation and development of the financial industry in the Internet era. However, with the expansion of the market, the expected return on investment is too high and the government lacks a unified credit reference platform And other issues make the illegal fund-raising, “run way ” and other issues have plagued the industry, resulting in P2P network lending platform implies a huge moral and legal risks. This article briefly introduces the development status of P2P network loan platform, analyzes the existing problems and puts forward relevant policy recommendations.