我国互联网P2P金融发展存在的问题及建议

从2007年开始，国内兴起了P2P网络借贷热潮，P2P网络借贷成为金融行业内不可忽视的一种重要模式。P2P行业快速发展使社会上闲置资金使用率和收益得到提高的同时，各种各样的问题也伴随出现。结合当前的实际情况，文章简要梳理国内P2P行业快速发展的原因和现状，并提出相关的政策建议。

Problems and suggestions on the development of Internet P2P finance in China

Since 2007, P2P lending has boomed in China, and P2P network lending has become an important model in the financial industry. With the rapid development of P2P industry, the utilization rate and income of idle funds in the society have been improved. Meanwhile, various problems have also appeared, among which some problems have affected the normal financial order stability and social stability. Combined with the current actual situation, this paper briefly sorts out the reasons for the rapid development of domestic P2P industry and the current situation and problems of the domestic P2P industry, and puts forward relevant policy recommendations under the above discussion.