China's P2P industry continues to develop, now has begun to take shape. It provides new ways for people to raise money, making it easier and simpler. However, in recent years, many risk-related problems have emerged in P2P lending model, which should be paid attention to when P2P industry is established, otherwise, these problems will hinder the healthy development of P2P lending platform. This paper introduces the development of P2P online lending platform, risk identification, risk control and other aspects of the situation and in-depth analysis, so as to understand the domestic P2P industry in many defects. In addition, this article also will take the appropriate letter company as an example, aiming at the condition of the appropriate letter platform development, operation mode, risk control, the corresponding research at the same time, combined with the actual situation, to the deficiency of the P2P industry in our country put forward the corresponding countermeasure and the suggestion, hope to be able to make this new business model to achieve healthy and rapid development.
