摘要双十一狂欢购物节，各大电商网站争先推出了蚂蚁花呗，分期付款等多种支付方式，如何确保卖家的产品服务信用与买家的支付信用，成为电商行业亟待解决的问题。P2P网络借贷平台应运而生，成为一种全新的借贷模式。是指借款人通过互联网注册会员，填写个人信息，平台审核，出借人通过信息选择借款对象，双方通过网络完成借贷合同与手续的模式。目前，我国发展最快最成熟的P2P借贷平台为“人人贷”。这种无抵押、无担保、简单快速的互联网金融服务模式，满足了特定人群的需求，解决了企业贷款难和融资难的困境，同时使投资人获得较高的投资收益，展现了巨大的市场潜力。72381

本文通过文献资料分析，案例分析等方法进行展开，首先从理论文献入手，总结国内外对P2P借贷模式与风险信用管理进行研究，分析国内与国外P2P模式的不同，列举了国内各大P2P平台与商业银行个人信用评估方法。

其次，分析了P2P网络贷款中传统信用风险分析方法与现代信用风险分析方法，传统方法可分为专家评分法和特征评分法。现代信用风险分析方法主要分为信用评分方法和现代信用风险评估法。本文通过传统信用风险分析方法与现代信用分析方法，得出各种信用风险分析方法的比较与选择。

再次，简单列举了我国P2P网贷信用风险的类别与担保方式，最后，对我国最大P2P平台人人贷进行了简单的介绍与分析，对其信用风险管理的剖析，对于中国的互联网金融发展具有典型意义。通过对国内外网络借贷经验的学习，可以为我国P2P网络借贷的发展提供借鉴，使P2P网络借贷行业更快更稳的发展。

Double tenth a binge shopping festival, the e-commerce sites are racing to launch the ants spend bai, the installment and so on the many kinds of payment, how to ensure that the seller's  products and services and credit buyer payment of the credit, become an urgent problem in the electricity industry。 P2P lending platform has become a new pattern of lending。 Refers to the borrower registered members via the Internet, fill out personal information, platform audit, lenders loan object, through information selection both sides completed borrowing contract through the network and the procedures of model。 At present, the fastest growing most mature P2P lending platform to "borrow"。 This kind of unsecured, unsecured, simple and fast Internet financial service mode, meet the needs of specific people, solved the difficult business loans and financing difficult predicament, so investors get higher return on investment at the same time, shows the huge market potential。

In this paper, through literature analysis, case analysis and other methods to, first of all, from the perspective of the theory of literature, summarized the domestic and foreign study of P2P lending model with credit risk management, the analysis of domestic and foreign different P2P mode, enumerates the domestic each big P2P platform with commercial bank personal credit evaluation method。

Secondly, analyzed the P2P network loan credit risk measurement analysis method can be pided into traditional credit risk analysis method and modern credit risk analysis methods, the traditional method relies on the characteristic of expert evaluation method and evaluation method。 Modern credit risk analysis method is mainly pided into credit rating method and modern credit risk assessment method。 Based on the traditional credit risk analysis method and the modern credit analysis method, it is concluded that a variety of credit risk analysis method of the comparison and selection。

Again, simply list the P2P network in our country the credit risk category and loan guarantee way, finally, to the largest P2P platform everyone has carried on the simple introduction and analysis of loan, to its credit risk management for financial development of China's Internet has typical significance。 "His mountain, can offend jade" through the learning network borrowing experience at home and abroad, can provide reference for the development of the P2P lending industry in our country, make P2P lending industry sustainable healthy development。