In the recent years，the peer-to-peer lending is increasingly develop as a Internet financial pattern. It can relive the demand of the small financing，improve the efficiency of the financing and promote the innovation of the finance. However，the high speed of the development also reveal some risks. Peer-to-peer lending in Henan has many good aspects，like the developing timing，the size of the capital and financing and the distribution of the region，although it is in the initial stage. Until now the risk event did not happen in Henan. On the other hand，the approach of getting capital，the choice of project，the method of payment and other aspects of running in this business have some potential risk which should not be ignore. Five main approaches can help the peer-to-peer lending get a sustained，rapid and sound development，which include improving the internal risk control，building the self-discipline organization，clearing the national regulation system and getting the government helps.