我国P2P网络借贷模式的发展现状及风险揭示研究

P2P 网络借贷是互联网金融创新的重要组成部分，对推动我国金融改革有重要意义。文章介绍了P2P网络借贷的发展脉络和发展现状，总结归纳了我国P2P 网络借贷的主要运作模式，分析了P2P 平台的资金来源与投向结构，揭示了我国发展P2P 网络借贷所面临的流动性风险、信用风险、操作风险以及政策和法律风险。

Study on the Development Status and Risk Disclosure of P2P Lending in China

P2P （Peer-to-Peer） lending is an important part of internet financial innovation, which plays a significant role in the financial reform of China. The study introduced the development context and status of P2P leading, summarized the major operation mode of P2P lending in China, and analyzed the funds source and investment direction of P2P lending. Finally, the study disclosed the risk of P2P lending development in China, which including the liquidity risk, the credit risk, the operational risk, and the policy and legal risk.