在科学技术不断进步的条件下,互联网发展进入了金融领域,与金融市场进行结合,形成了一个新的发展形态,那就是互联网金融。P2P网贷作为现阶段互联网金融发展的一个重要平台,经历了自互联网金融出现后的突然崛起,迅速增长,行业混乱,倒闭危机等一系列的过程。本文从P2P网贷的形式和特点出发,结合了当前的互联网金融背景,对P2P市场借贷的行情和面临的问题进行了分析,并提出了一些解决方案,供相关人员进行参考。 Under the condition of continuous improvement of science and technology, the development of the Internet has entered into the field of finance and has been combined with the financial markets to form a new form of development, that is, Internet finance. As an important platform for the development of internet finance at this stage, peer-to-peer lending has experienced a series of processes such as the sudden rise after the advent of internet finance, rapid growth, industry chaos and collapse crisis. Based on the form and characteristics of P2P network loan, this article combines the current Internet financial background, analyzes the quotations and problems faced by P2P market lending, and puts forward some solutions for relevant personnel to make reference.