改革开放以来我国经济发展迅速,离不开中小企业的突出贡献。中小企业的壮大需要更多的融资机会,在此基础上,P2P网络借贷逐渐进入了民众视野,其门槛低、期限短、发贷快的融资方式也迅速被接受。但与此同时暴露出的风险隐患也非常明显,所以P2P网络借贷风险防范尤为重要。基于此,本文展开研究,并提出相关的风险防范建议。 Since the reform and opening up, China’s rapid economic development can not be separated from the outstanding contributions of small and medium-sized enterprises. On the basis of this, the P2P network borrowing has gradually entered the public view, and its financing method of low threshold, short duration and quick credit loan is also rapidly accepted. But at the same time exposes the potential risks are also very obvious, so P2P network lending prevention is particularly important. Based on this, this paper studies and puts forward relevant risk prevention suggestions.