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；I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..............................................5 （一）制定 P2P 网贷行业的法律法规........................5 （二）完善信用评级制度和征信体系.......................5 （三）加强信息披露制度建设............................ 6 （四）提高行业内部（平台）技术水平.................... 6 （五）监管 P2P 平台的运营............................... 6 参考文献.....................................................7 II一、引言互联网金融的热度在最近几年有增无减，其中 P2P（PeertoPeer）网贷尤其引人注意。一点政策...
