P2P network lending industry is undergoing in-depth consolidation. Most P2P platforms are either exiting or transforming，and this transformation has a strong color of risk management. Among all kinds of transformation methods，the low cost and quick effect of transformation and loan assistance can alleviate the capital fluctuation problem that P2P enterprises have a headache about，which is more in line with the trend of serving the real economy and helping Inclusive Finance，and provide opportunities for P2P platform to regain the development prospect and maintain the business sustainability. For P2P platform，there are many difficulties to seize this opportunity. P2P transformation loan assistance needs the dual efforts of the platform and supervision. The platform needs to properly digest the stock，pay attention to technology enabling to improve customer acquisition and risk control capabilities，and keep the bottom line of compliant operation. Regulatory needs to actively help guide，further issue more detailed and targeted guidance for the transformation，and provide policy support；for enterprises that fail in the transformation，they need to guide their exit to ensure financial stability；clarify the legal status of loan assistance，establish an effective regulatory mechanism，and create a favorable external environment for the transformation.