在金融与互联网结合的当下,互联网金融出现的产品逐渐被应用到日常生活中。本文结合国内外发展案例,就大学生的层面,对当代P2P网贷发展与应用进行了分析。通过对大学生网贷情况的数据分析,剖析问题与不足,进而阐述改进建议。P2P网贷特征早期的对等网络就是P2P的原型,它是互联网金融的产品,其效果与作用非常显著,特征具体体现在以下方面:覆盖面积大,只要存在网络就能达到操作要求,促进信息交流;门槛低,在网站建设中, At the moment of the combination of finance and the Internet, products appearing in Internet finance are gradually being applied to daily life. Based on the domestic and international development cases, this paper analyzes the development and application of contemporary P2P network loans on the level of college students. Through the data analysis of college students’ net loan situation, the paper analyzes the problems and shortcomings, and then expounds the suggestions for improvement. P2P network loan characteristics Early peer-to-peer network is the prototype of P2P, it is a product of Internet finance, its effect and role is very significant, the characteristics embodied in the following areas: large area, as long as the network can meet the operational requirements and promote information Exchange; low threshold, in the construction site,