近年来,随着互联网技术与金融的加速融合,P2P网络借贷已然成为当前互联网金融产业最流行最普遍的新兴业态。然而,P2P网络借贷行业背后的风险尤其是平台的信用风险日益凸显且愈发严重。我国平台信用风险产生的原因外部原因P2P行业的信息披露机制不健全。一方面,P2P平台作为优化资金配置的信息中介机构,本应尽可能全面客观地收集提供各参与方的信息,然而,在信息不 In recent years, with the accelerated integration of Internet technology and finance, P2P network borrowing has become the most popular and emerging mode in the current Internet financial industry. However, the risk behind the P2P online lending industry, especially the credit risk of the platform, has become increasingly prominent and increasingly serious. Causes of China’s Platform Credit Risk External Causes P2P industry’s information disclosure mechanism is not perfect. On the one hand, P2P platform as an information intermediary to optimize the allocation of funds, should be as objective as possible to collect information to provide each party, however, in the information is not