伴随着互联网金融行业发展的日新月异,一种主要经营面向大众的小额借贷新模式,即通常所说的P2P网络借贷,进入人们的眼帘。过去几年,可谓是P2P网贷行业爆发式增长,网贷平台数量持续上升,从而出现许多问题。本文希望通过P2P网络借贷平台的发展常态及趋势的研究,妥善了解这些问题的症结所在,借此促进这种新型金融模式健康长足发展。 With the rapid development of the Internet finance industry, a new mode of micro-lending that is mainly used by the general public, namely what is commonly referred to as P2P lending, has entered the eye of people. Over the past few years, it can be described as the explosive growth of P2P net loan industry, the number of net loan platform continued to rise, resulting in many problems. This article hopes that through the study of the development regularity and trend of P2P online lending platform, it is imperative to understand the crux of these problems properly so as to promote the sound and rapid development of this new financial model.