P2P loans refers to people,who possess the money and the willingness of personal financial investment, fund loans to other people with borrowing needs by using credit loans through a third party platform, which is done on the Internet between individuals directly. Based on the current development and situation of loans in the P2P net work in China, this paper attempts to summarize the causes of the problem, propose feasible suggestions for regulat ory way, to promote the healthy development of the network loans environment.