指出我国p2p行业发展迅猛,但也出现平台跑路、诈骗等,损害出借人的利益,扰乱金融市场秩序等问题。分析p2p网贷存在的借款人诈骗、用户个人信息泄露等风险。提出应该监管网贷平台创设新产品,通过设置p2p行业的准入门槛、合格出借人制度等对p2p行业进行法律规制的若干建议。 Pointed out that the p2p industry in our country is developing rapidly, but there are also issues such as platform running and fraud, damaging the interests of lenders and disrupting the order of financial markets. Analysis p2p net loan fraud exists the borrower, the user personal information disclosure and other risks. Proposed that we should supervise the network credit platform to create new products, set the p2p industry access threshold, qualified lender system and other laws on the p2p industry, a number of recommendations.