P2P is well recognized by people since it entered to China’s market with lower financing cost and high return. However, the lack of laws and regulation in this respect resulted in the confusion of development and even infringing on the rights and interests of investors. Based on the view of law , this paper made an analysis the causes of network platform loan risks under the social background. It found that there were mainly 3 kinds of risks, the subject risks, objective behavior risks and environment risk. At the same time, in principle of regulation analysis, it tried to provide perfect P2P to industries to promote a sound and stable development of finance.%P2P进入我国后，由于其融资成本低、投资回报高而广受社会公众欢迎，但法律规范缺失的客观存在，导致其无序发展，甚至可能侵害投资者的权益。基于法学视野，对网贷平台风险成因予以类型化分析，兼顾社会大背景，分为主体风险、客观行为风险、环境风险等。同时，从原理上对监管加以分析，试图为完善P2P行业提供进路，促进金融有序、长稳的发展。
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