用户行为视角下P2P网络借贷信用体系构建分析

User behavior perspective of P2P network credit system construction analysis

近年来,在现代技术的支撑下,我国互联网金融取得了巨大的发展,其中作为互联网金融重要组成之一的P2P网贷获得长足进步。从P2P的本质来看,其实际上是一种信用借贷,良好的信用能够保障P2P正常运行。文章在研究中从用户的视角出发,有针对性地构建了P2P网络借贷平台,以期能够促进我国P2P网络借贷的健康发展。

In recent years, under the support of modern technology, Internet finance has made great development in our country, peer- to-peer （P2P） network lending as one of the important components of the Internet finance .credits achieved great progress. From the perspective of the nature of P2P, it is actually a kind of credit, good credit to guarantee normal operation of P2P. Articles from the user＇s perspective in the study, targeted constructed P2P lending platform, in order to promote the healthy development of the P2P lending in China.