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中文摘要：
P2P网络借贷具有贷款期限短、金额小、重视贷款者信用材料、融资门槛相对较低等特点。现阶段，我国P2P网络借贷面临政策法律风险、监管风险、洗钱风险、操作风险、网络风险、信用风险。防范P2P网络借贷风险，从政府的角度来讲，应明确监管主体，加快监管制度建设；扩大征信范围，完善全国征信系统建设。从P2P网络借贷平台的角度来讲，应完善网络技术，降低网络风险；明确金融职责，强化操作流程。从借贷者和贷款者角度来讲．应建立借款者与贷款者之间的互信。
英文摘要：
P2P Online Lending has a series of merits： short loan period, small credit amount, value borrowers＇ credit information, high threshold of financing, etc. At this moment, P2P Online Lending in our country is facing policy and legal risk, regulatory risk, money laundering risk, operational risk, network technology risk, and credit risk. In order to guard against those risks, our government has to specify the regulatory agency and accelerate the construction of regulatory system, to extend the scope of credit investigation and perfect our country＇s credit system. For P2P Online Lending platforms, they have to improve network technology and reduce network risk, to clarify their responsibility and standardized operational procedures. For borrowers and lenders, they have to increase mutual understanding and trust.
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