近几年,P2P网络借贷作为新兴的金融服务模式得到了飞速的发展,其运营模式多样,操作方式简便,获得了众多投资者的青睐。但同时,也暴露出了许多风险,如信用风险、安全风险、政策风险等,严重影响了金融市场的稳定,打击了投资者的投资信心。为保证P2P网络借贷的健康有序发展,本文在对P2P网络借贷的特点和模式进行分析的基础上,针对出现的一系列风险,提出构建监管体系的一些建议。 In recent years, as a new financial service model, P2P network lending has been developed rapidly. With its diversified operation modes and simple operation, it has gained the favor of many investors. However, many risks have also been exposed, such as credit risk, security risk and policy risk, which have seriously affected the stability of financial markets and hit investors’ confidence in investment. In order to ensure the healthy and orderly development of P2P online lending, based on the analysis of the characteristics and patterns of P2P online lending, this paper puts forward some suggestions for building a regulatory system for a series of risks.