随着移动终端的普及和4G时代的到来，移动互联网带来的互联网二次革命正迅速把人们日常生活中的消费、娱乐、学习等各个方面转移到拇指端，当然金融也不例外。伴随P2P网络小额信贷市场的持续火热，以中国平安、招商银行、民生银行为代表的传统金融机构也深度介入了该领域，它们与其它2000多家P2P网络小额信贷平台一起为传统小额信贷带来了新的春天。党的十八届三中全会明确提出了“发展普惠金融”，而P2P网络小额信贷市场的发展被认为是“普惠金融”得以实现的一个重要着力点。本文将会在分析我国市场上不同类型的P2P网络小额信贷平台交易模式的基础上，总结它们交易和经营中存在的金融安全问题，进而提出针对我国P2P网络小额信贷市场的监管建议。全文分为四部分，第一部分首先从小额信贷和P2P网络小额信贷的发展渊源入手，通过对传统小额信贷的发展历程及后起的P2P网络小额信贷兴起的梳理让读者初步了解P2P网络小额信贷；第二部分是对不同类型P2P网络小额信贷平台交易模式及其金融风险问题的分析；第三部分分别分析了中美英三国当前对于P2P网络小额信贷领域的监管现状；最后一部分大胆设想了P2P网络小额信贷监管制度的构建路径，并提出了相应的具体监管建议。

With the popularization of mobile terminals and the arrival of the era of 4G , mobile Internet has brought the second revolution of Internet. This quickly put in people's daily life such as consumption, entertainment, learning quickly transferred to the tip of the thumb, of course, finance is no exception. With the continued hot of P2P network microfinance market, traditional financial institutions such as Ping An Insurance , China Merchants Bank, Minsheng Bank with more than two thousand other P2P network platform has brought a new spring day for the traditional microfinance market . The eighteen session of the Third Plenary Session of the party clearly put forward "the development of Inclusive Finance", and the development of P2P network microfinance is recognized as an important point of "financial inclusion" . This paper will analysis different types of P2P network platform trading modes to summarizes the financial security problems of their business, and then puts forward the market regulatory and legislative suggestions. The paper is divided into four parts, the first part starts from the origin and development of microfinance and P2P to give readers a preliminary understanding of the P2P ; the second part is the analysis of the different types of P2P and its financial security problems in these models respectively; the third part respectively analyzed UK USA and China’s regulatory in this field ; the last part will puts forward the market regulatory suggestions.