近年来,各类互联网金融公司大量涌现,在拓宽居民、企业投融资渠道,推进普惠金融,提高金融体系效率等方面起到了积极作用。但是,互联网金融业在信息不对称、信用等方面,也是风险事件高发。信用风险问题之现状当前我国互联网金融信用风险问题主要表现在两个方面。一是互联网金融问题平台占比较高。网贷之家《2015年中国网络借贷行业年报》显示,2015年全国问题P2P In recent years, various internet finance companies have emerged in large numbers, playing an active role in broadening channels for residents and enterprises to invest and raise funds, promoting inclusive finance, and improving the efficiency of the financial system. However, the Internet finance industry is also a high risk event in information asymmetry and credit. The status quo of credit risk problems At present, China’s Internet finance credit risk problems mainly in two aspects. First, there is a high proportion of Internet financial platform. Home Loans “The 2015 China Internet Loans Industry Annual Report” shows that in 2015 the national problem P2P