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摘要民间借贷作为银行金融的有效补充，已逐渐成为民间金融的一种重要形式，然而伴随着互联网的逐渐普及和信息的高速发展，一种新兴的民间借贷形式——P2P于2005年在英国诞生了，这种网络借贷模式无论是在操作灵活性、还是投资回报率都远远要高于银行，使得其很快就在全球蔓延开来，并于2007年被引入中国，并且在中国得到了飞速发展。P2P的出现，大大缓和了我国目前存在的个人以及中小微企业贷款难的局面，为他们提供了一种新的融资途径，可以说是银行业务的有效补充。通过网贷平台可以降低募集资金的成本，同时还可以排除民间借贷的地域限制，因而大大吸引了我国的投资人群。42676
但是，就当前的情势而言，大部分P2P借贷平台从自身盈利性出发，只是对投资人资金的安全性这种基础性要求比较重视，在用户的更高层次的借贷体验需求方面却漠不关心。现在，体验经济的时代已经到来，用户的关注点发生偏移，他们越来越看重的是本人的借贷体验。所以，要想在P2P借贷平台行业能够脱颖而出，良好的用户体验将成为日后发展过程中的取胜点。
毕业论文关键词：P2P网络借贷平台；用户体验；主要问题；原因；建议
Research on P2P Network Lending Platform Based on User Experience
Abstract
As an effective complement banking and finance,private lending has gradually become an important form of civil financing.However,with the popularization of the Internet and the rapid development of information technology,peer-to-peer (P2P) was born in England in 2005, a new form of private lending,which is soon spread around the world.The flexibility and yield rate of P2P is far higher than the bank.It was introduced into China in 2007,and got the outbreak of growth in China.As the supplement of the banking business, P2P solves the problem of micro, small and medium enterprises and inpidual borrowing existing in nowadays society,providing them a new financing channel.The P2P network platform can reduce the cost of raising funds from the public, and can breakthrough the geographical restrictions of private lending.A large number of investors are attracted by its’ high yields at the same time.However, most of the P2P lending platform focusing on its profitability and the safety of investor funds basic needs.They are indifferent to the needs of the user for a higher level of borrowing experience.With the advent of the era of experience economy, the user's focus offset，they begin to pay attention to their lending experience. Therefore, if you want to can stand out in the P2P lending platform industry，a good user experience will be the key.
Key Words: P2P network lending platform user experience main problem reason advice
目 录
摘要-I
Abstract----Ⅱ
目录----Ⅲ
一、绪论 1
（一）研究背景-1
（二）研究的目的---2
（三）研究的意义---3
（四）研究内容及框架--3
二、P2P网络借贷相关概念界定--5
（一）用户体验概念界定5
（二）P2P网络借贷概念界定---6
三、国内两种主流的P2P网络借贷平台运营模式横向比较分析--8
（一）纯线上平台模式—拍拍贷概述8
（二）线上、线下结合模式—宜人贷概述---11
（三）两种运营模式对比分析-12
四、国内P2P网络借贷平台用户体验度分析14
（一）调查问卷设置---14
（二）样本选取----15
（三）调查结果统计---15
（四）统计结果分析---20
五、国内P2P网贷平台基于用户体验现存的主要问题及成因分析---23
（一）体验营销观念滞后--23