近年来,我国的P2P网络借贷平台的数量呈爆炸式增长,且成交金额也在逐年增长。由于P2P网络借贷平台具有融资门槛低、金额小、贷款期限较短等特点,因此在这种网络借贷模式的运行下具有监管风险、信用风险、法律风险及操作风险等,为了防范P2P网络借贷模式的风险问题,就应该加强对网络借贷的风险控制,本文就对P2P网络借贷的运行模式与风险控制两个方面进行着重分析。 In recent years, the number of P2P lending platforms in our country has exploded, and the transaction amount has been increasing year by year. As P2P lending platform has the characteristics of low financing threshold, small amount and short term of loan, it possesses regulatory risk, credit risk, legal risk and operational risk under the operation of this network lending model. In order to prevent P2P lending model We should strengthen the risk control over the internet loan. This article focuses on the analysis of the operation mode and risk control of the P2P network lending.