PAGEIII摘要近年来越来越多人的投资理念开始觉醒，钱存入银行所获得的利息已经满足不了大众对投资的需求。而相比于股市的不确定收益，广大群众开始把钱投入到P2P网贷。即便国内推行了许多政策加强行业监管规范，但仍然有很多P2P网贷平台纷纷暴雷，合理规范网络借贷平台的发展，想出解决造成P2P平台暴雷的对策，是值得研究和分析的一个方面。本文集中概述了P2P的相关概念和内涵，通过国内地区P2P网贷发展形势，以及对2019年发生的团贷网事件的分析，提出P2P网贷发展中存在的问题，并对这些问题作出了相应的讨论。本文运用了文献分析法进行专题分析。全文一共分为五个部分：首先第是一部分，从全国P2P的大环境下讨论了论文的选题背景和意义，然后第二部分是关于P2P网贷的概述和P2P网贷的发展现状，第三部分从企业角度，监管角度，民众角度和，行业环境角度对P2P网贷中存在的问题进行分析，第四部分从各个问题角度出发，提出关于P2P网贷的发展对策。第五部分是对发展问题及对策的一个总结，防患于未然是解决P2P问题的最好方法。关键词：P2P网贷暴雷ABSTRACTInrecentyears,moreandmorepeoplebegintowakeuptotheideaofinvestment.Theinterestofmoneyinthebankcannotmeetpeople'sdemandforinvestment.Comparedwiththeuncertainreturnsofthestockmarket,themassesbegantoinvestmoneyinP2Pnetworkloans.EventhoughalotofpolicieshavebeenimplementedinChinatostrengthentheregulationoftheindustry,therearestillmanyP2Ponlinelendingplatformsinsuccession.Itisworthstudyingandanalyzingtoreasonablyregulatethedevelopmentofonlinelendingplatformsandcomeupwithcountermeasurestosolvetheproblem.ThispaperfocusesontheconceptandconnotationofP2P.BasedontheanalysisofthedevelopmentsituationofP2PnetworkloaninChinaandthegrouploannetworkeventsthathavebeenwidelyconcernedinrecentyears,itputsforwardtheproblemsexistinginthedevelopmentofP2Pnetworkloan,anddiscussestheseproblemsaccordingly.Inthispaper,theliteratureanalysismethodisusedforthematicanalysis.Thepaperisdividedintofiveparts:fromtheperspectiveofthenationalP2Penvironment,thispaperdiscussesthebackgroundandsignificanceofthetopic,theoverviewofP2PnetworkloansandthedevelopmentstatusofP2Pnetworkloans,analyzestheproblemsinP2Pnetworkloansfromtheperspectiveofenterprise,supervision,publicandindustryenvironment,andputsforwardthedevelopmentcountermeasuresofP2Pnetworkloansfromvariousaspects.Thefifthpartisasummaryofdevelopmentproblemsandcountermeasures.PreventioninadvanceisthebestwaytosolveP2Pproblems..Keywords:P2Pnetworkloanaccident目录TOC\o"1-3"\h\uHYPERLINK\l"_Toc281292316"一、引言PAGEREF_Toc281292316\h1HYPERLINK\l"_Toc281292