摘要P2P 网络借贷自从 2007 年以来出现在我国开始，以其高收益、无中介、操作简便等迅猛的特点发展起来。然而由于金融监管的缺失，我国P2P 网络借贷平台跑路、不能还款付息的现象屡见不鲜。我国在 2016 年针对 P2P 网络借贷平台出台了相应法规，如今 2018 又是整合备案的关键一年。但仍然存在诸多风险，针对 P2P 行业的监管仍然不完善。本文从P2P 行业现状与发展进行分析，对于未来发展趋势提出相应的建议，并对P2P 网络借贷监管提出看法。关键词：P2P 网络借贷；监管缺失；整合备案；AbstractThe P2P network borrowing has appeared in China since 2007, and it has been developed with its high-yield, non-intermediary, and simple operation. However, due to the lack of financial supervision, it is not uncommon for China’s P2P network lending platforms to run and cannot pay for their repayments. In 2016, China introduced regulations for the P2P network lending platform. Today, 2018 is a key year for integration and filing. However, there are still many risks. The regulation of the P2P industry is still not perfect. This article analyzes the status quo and development of P2P industry, proposes corresponding suggestions for future development trends, and puts forward views on P2P network lending supervision..Keywords：P2P；Integrationofrecord；Lackofregulation；目录摘要..........................................................IAbstract.....................................................II一、引言.....................................................1 二、我国 P2P 行业发展概括.......................................1（一）发展现状..............................................1（二）发展困境.............................................2 三、我国 P2P 的发展趋势........................................3 （一）壹心贷分析...........................................3（二）预计趋势............................................3 四、P2P 监管建议.................................................
