在互联网的推动下,过去几年网络借贷平台P2P交易增长迅速,但到了2015年P2P问题平台大量出现,给投资者带来巨额损失。原因在哪——征信问题。P2P平台业务和传统的信贷在信用本质方面没有区别。虽然移动互联网技术为P2P拓宽了时间和空间,提高了借贷的效率,但是借贷业务都是以信用评估作为风险控制的基础。而征信是借贷业务的基石。目前的征信体系还在不断 Driven by the Internet, over the past few years, peer-to-peer lending platform P2P transactions have grown rapidly, but by 2015 a large number of peer-to-peer P2P platforms have emerged that have brought huge losses to investors. The reason why - credit problems. P2P platform business and traditional credit in the nature of credit there is no difference. Although mobile Internet technology to P2P to broaden the time and space, improve the efficiency of lending, but credit business credit evaluation as a risk control basis. And credit is the cornerstone of lending business. The current credit system is still ongoing