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P2P网络借贷以其低门槛、高收益、便捷高效的特点,发展势头迅猛。然而P2P网络借贷在逐渐被大众所接受的同时,P2P网络借贷平台倒闭、跑路、非法集资等问题屡屡曝光,投资人的资金面临着极大的风险。本文主要对P2P网络借贷平台的风险因素进行分析,将P2P网络借贷平台的风险因素分为信用风险、法律政策风险、技术风险、流动性风险、信誉风险与市场风险等。
P2P network lending with its low threshold, high yield, convenient and efficient features, the rapid development momentum. However, while P2P online lending is gradually accepted by the public, the P2P online lending platform has been closed down, running roads and illegal fund-raising have been repeatedly exposed. As a result, investors’ funds are facing great risks. This paper mainly analyzes the risk factors of P2P network lending platform, and divides the risk factors of P2P network lending platform into credit risk, legal policy risk, technical risk, liquidity risk, credit risk and market risk.