P2P网贷平台的本土性法律优化

P2P （peer to peer）网贷平台，以网络平台为中介在互联网金融领域得到快速发展，从其引入我国之后，与我国特殊的金融环境相适应，逐渐具有其“本土性”特点。但由于缺乏法律规范、市场监管等必要的制度约束，逐渐使其走向“异化”的道路。通过对我国P2 P网贷平台不规范问题的提出，运用数据分析和资料收集等方法，提出适合我国P2 P网贷平台发展的相关性建议，完善其在法律制度方面的缺陷，确保我国P2 P网贷市场完成本土性优化。

Legal Optimization of Indigenization on P2P Net Loan Platform

Peer to peer ( P2P) net loan platform taking network platform as its intermediary has gained rapid de-velopment in the field of Internet finance, and after its introduction to China, it gradually has its “indigenous”features for the sake of adaptation to the special financial environment of China.However, due to the lack of le-gal norms, market supervision and other necessary institutional constraints, P2P net loan platform has gradually stepped into“alienation” .Through pointing out issues on China’s P2P net loan platform, by using data analy-sis and data collection methods, loan platform for the development of P2P network-related recommendations are proposed, to improve its shortcomings in the legal system to ensure that our P2P net loan market completes local optimization.