随着互联网技术的飞速发展，P2P 小额借贷逐渐由单一的线下模式转变为线上线
下并存，或是以线上模式为主的 P2P 网络贷款平台模式。由于网络的普及和便捷，缩
短了借贷审核周期，提高了资金周转速度，使更多人享受了 P2P 小额借贷服务。目前，
在世界多个国家如美国、英国、日本、加拿大以及中国，都出现了不同形式的网络借
贷平台，其盈利模式也越来越多样化。近年来，我国 P2P 网络借贷平台如雨后春笋般
大量涌现，平台质量良莠不齐，公司实力也有很大差别。
由于当前网络借贷平台的风险管理机制尚未成熟，众多跑路借贷平台纷纷出现，
坏账风险、政策风险一直困扰着网贷平台的发展。在这种复杂的局势下，投资人如何
甄别平台的好坏，降低自己的投资风险是一道摆在我们面前的重要课题。
本文首先对国内外平台进行了整体分析和概述，并针对网贷平台投资人的投资风
险进行了详细论证，从而得出加强平台内控机制及风险管理的对策方案，结合数据对
借款人违约风险进行探讨，研究违约风险的相关因素，并尝试提出旨在针对 P2P 借贷
平台降低投资人风险的建议，提出了网上信用等级评价体系的建设方案。
关键词：P2P，网络借贷平台，投资人风险
II
Abstract
For a long time，small and medium-sized enterprises，agricultural fields and thesocial
vulnerable groups is a common challenge which we are facing. P2P microfinance can get
very small amount of idle funds together，and people who need it can use it. This mode
meet numerous individual capital demand，promote the development of small and
medium-sized enterprises，and stimulate the economic prosperity. It also improve the
utilization rate of social idle funds.
With the rapid development of Internet technology，the P2P microfinance gradually
change from single line to both online and offline，or in line mode. Because of the
popularity of the network and convenient，shortening the lending cycle，improving the
capital turnover rate，so that more people enjoy the P2P microfinance services. At present，
in many countries in the world，such as Japan，Canada，Britain，USA and China，there
are different forms of network lending platform，its profit pattern is more and more
diversification. In recent years，P2P network lending platform in China spring up like the
mushrooms in a large amount. Some of them is good and some is bad.
Because the current network lending platform risk management mechanism is not yet
mature，many Run-away-loans have emerged. Development of bad debts risk and policy
risk has been plagued by the net credit platform. In this complex situation，how to identify
the quality of investor platform， reduce their investment risk is an important topic in front
of us.
This paper first of all analyses and summarize domestic and international platform for
the overall，and the net credit platform investors located industry risk are discussed.
The countermeasures to strengthen the platform for internal control mechanism and risk
management，proposes the construction scheme of online credit rating system.
Keywords：P2P，Network lending platform，Investor's risk
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