摘要：Peer-to-Peer Leading，即P2P 网络贷款，又被称作P2P金融。peer-to-peer的意思是：个人对个人，国内翻译为“人人贷”，是通过个人与个人之间直接借贷的网络平台，借款人将闲置资金存放在平台中，借给有需要且符合条件的贷款人，通常以小额的借贷交易为主。这种从国外引进的新型贷款模式利用了本世纪最伟大的发明——互联网作为媒介，展现了普通民间借贷无法比拟的优势，并以高速增长的趋势在线上发展，逐渐被世人所接受和认可。但是，也因为P2P作为一种新型的贷款模式，许多风险问题接踵而来。例如，虚拟网络中的信用状况不实和信息不对称，法律的不完善和机构监管力度缺失，还有借贷双方的个人信息的安全问题，这些都有可能会造成个人的财产损失。本文基于广泛调研的基础上，针对存在的风险问题，提出相应的防范措施和建议。

关键词：P2P网络贷款 风险因素 风险管理

Abstract：Peer-to-Peer Leading, also called P2P financial. Peer-to-peer means person to person, is a direct network platform lending between the individual and the individual. Borrowers will deposit the idle funds into the platform. Lenders who need and meet the conditions will lend this money. Therefore, there are more Micro-lending transactions in the platform. The new lending model takes advantage of the Internet as a medium. It demonstrated the advantages unmatched by ordinary folk of borrowing, developed rapidly and outstanding, gradually accepted by the world. However, because of P2P as a new lending model, many risks income, like inaccurate credit status, information asymmetry, imperfect law, lack of supervision and security of personal information. These are possible result in the loss of personal property. This article is based on the above risks and extensive research, try to make some appropriate preventive measures. 

Key words：Peer-to-Peer Leading  Risk Factors  Risk Management