摘要：当今网络发展迅速，传统的金融工具已不足以满足大众的需求，因此P2P网络信贷已成为热点问题。P2P网络信贷身为一种新型的金融工具，发展迅速，但是却充满了很多不确定因素，风险极大。从最近许多P2P网络信贷平台纷纷破产可以看出，在缺乏监管等不足之下，这种金融工具的质量并不高。研究如何使这种金融工具稳固发展是当务之急。本文首先阐述了P2P网络信贷从国外到国内的发展情况和现状；并对当前国内的一家P2P网络信贷平台——拍拍贷的运营模式进行分析研究，探寻信贷风险在P2P网络信贷中产生的影响；最后从P2P网络信贷平台的角度、法律监管方面和用户自身的自我防范三个方面，对如何使这种创新能够发展成为可靠的、普遍的金融工具提出建议，促使我国的网络金融更好地发展。

关键词：P2P网络信贷 信用风险 信息不对称

Abstract: Today,as the internet developes rapidly,the traditional financial instruments has been insufficient to meet the needs of the public.So P2P lending has become a hot issue. As a new type of financial instruments, P2P lending has a rapid development. But it is full of a lot of uncertain factors and includes huge risks. As many P2P lending companies are bankrupted,the quality of this kind of financial instrument is not high under the inadequate supervision. Study how to make this kind of financial instrument a solid development is a priority. This paper first describes P2P lending’s domestic situation and status from abroad to develop; And analyses a domestic P2P lending company – Paipai Lending, to explore the impact of credit on P2P lending ; Finally, from three aspects:the perspective of P2P lending companies, legal supervision and the user's own self-protection,make recommendations about how to make this innovation to become a reliable, universal financial instrument,and promote the development of our financial network.

Key words: P2P Lending   Credit Risk   Information Asymmetry