信贷风险是P2P网贷和银行经营过程中面临的最重要风险。最大程度识别并防范信贷风险是每个金融机构必须关注的问题。因此建立科学、合理、客观的信用评级体系,对整个P2P网贷和银行风险管理水平的提高具有非常重要的意义。本文将以P2P网贷平台和传统银行为研究对象,重点研究其信用程序,探究其异同点,立志于找到其在信用程序方面对投资者和借款者的影响,P2P Credit risk is the most important risk that P2P lending and banking operations face. Maximizing and preventing credit risk is a problem that every financial institution must pay attention to. Therefore, establishing a scientific, reasonable and objective credit rating system is of great significance to the entire P2P network credit and bank risk management. This article will take P2P lending platform and traditional banks as the research object, focusing on credit procedures, to explore the similarities and differences, determined to find its impact on investors and borrowers in credit procedures, P2P