P2P网络信贷是英文“peer to peer lending”的缩写,指的是个人通过电子商务公司提供的在线交易平台向其它个人提供小额信贷的金融模式。信贷风险是我国P2P网络信贷运营过程中的主要风险,信贷风险管理对该行业的发展起着至关重要的作用。因此,如何为我国P2P网络信贷建立一种科学有效的信贷风险评估方法、提高信贷风险管理水平迫在眉睫。 P2P network credit is an acronym for “peer to peer lending” in English, which refers to the financial model in which individuals provide microcredit to other individuals through the online trading platform provided by the e-commerce company. Credit risk is the main risk in the credit operation of P2P network in China. Credit risk management plays a crucial role in the development of this industry. Therefore, how to establish a scientific and effective credit risk assessment method for China’s P2P network credit and raise the credit risk management level is imminent.