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随着我国经济发展程度的加深和金融创新的不断发展,融资模式和借贷模式在近几年来有了质的飞跃和进步,P2P作为一种新的互联网网络贷款平台,发挥了金融借贷的巨大优势和便利,为人们融资贷款提供了很大的优惠。与此同时P2P网络贷款也具有缺陷,在运营过程中存在着较多的风险。本文主要就P2P网络贷款信用风险进行了介绍和研究,以期促进互联网金融的健康发展。
With the deepening of economic development in our country and the constant development of financial innovation, the financing model and loan model have made qualitative leaps and improvements in recent years. P2P, as a new internet platform for internet loans, exerts the great advantage of financial lending And convenience for people financing loans provided a great deal of concessions. At the same time P2P network loans also have flaws, there are more risks in the operation process. This paper mainly introduces and studies the credit risk of P2P network loans in order to promote the healthy development of Internet finance.