P2B网络借贷又称为互联网信托,是一种新型的微金融服务行业,主要为一些中小型企业提供贷款服务。这种服务模式的开展拓宽了中小型企业的融资渠道和降低了企业融资成本,为发展我国多层次金融市场具有推进意义。本文主要介绍了P2B网络借贷的主体结构与运行模式、P2B平台特征以及为实现P2B网络信贷的规范发展所提出的相关政策等,这些研究将为我国信贷行业的发展提供一些指导性参考。 P2B Network Lending, also known as Internet Trust, is a new type of micro-financial services industry that provides loans primarily to some small and medium-sized enterprises. This mode of service broadens the financing channels for SMEs and lowers the financing costs of enterprises, which is of great significance for the development of China’s multi-level financial market. This paper mainly introduces the main structure and operating mode of P2B network lending, the characteristics of P2B platform and the related policies proposed to realize the normative development of P2B network credit. These studies will provide some guidance for the development of credit industry in our country.