P2P网贷在近几年疯狂发展,网贷行业将面临洗牌,资产端是P2P网贷行业未来的发展方向,吸引更多的投资者并将其转化为有效用户是P2P网贷平台长远发展的关键。本文首先分析了P2P网贷行业面临洗牌的原因;其次,从投资者最关心的费用、流动性和收益方面对比分析了40家问题平台和40家发展较好的平台情况;最后,根据对比分析的结果提出相应的建议。 P2P network loans in the crazy development in recent years, the net loan industry will face reshuffle, the asset side is P2P net loan industry’s future development direction, to attract more investors and convert it into an effective user is P2P net loan platform long-term development key. This paper first analyzes the reason why P2P net loan industry is facing reshuffling. Secondly, it contrasts the 40 issue platforms and 40 better developed platforms from the investors’ most concern about the cost, liquidity and revenue. Finally, according to the comparison Analysis of the results put forward corresponding recommendations.