P2P网贷中投资人面临的信用风险及对策分析

Analysis on the Credit Risks Faced by Investors and the Countermeasures in Online P2P Lending

信任是P2P网贷交易的基础,而近年来频发的P2P网贷平台跑路或倒闭、借款人欠款逾期不还事件严重影响投资人的交易信心。基于投资人视角分析当前P2P网贷中存在的主要信用风险及其成因,研究投资人如何甄选优质网贷平台,降低借款人违约风险的影响,探求P2P网贷平台如何加强信用风险控制以提升投资人交易信心,是推动P2P网贷行业健康发展的有效路径。

Trust is the foundation of online P2P lending transaction.But in recent years,bankruptcy or absconded with the money of online P2P lending platforms and the overdue debt of the borrowers have seriously affected investors＇ trading confidence.Analysis on the main credit risks and their causes in current online P2P lending should be based on investors＇ vision to make research on the countermeasures for investors on how to select high quality online P2P lending platforms and reduce the impact of the borrower＇s default risk,and to explore some measures to strengthen the credit risk control on the platforms to improve the investor＇s trading confidence.The above measures are the effective ways to promote the healthy development of online P2P lending industry.