2014年3月,我国第一家以社交关系为基础的P2P网络借贷平台——靠谱鸟在北京中关村成立。随后,熟信、借点儿、借贷宝、悄悄借等一批依托熟人圈子的P2P网站也先后上线。这些融资平台将金融交易建立在校友、朋友等关系基础上,以互联网技术为支撑。理论上,社交金融应提供比P2P网络贷款一般模式更为完善的信用风险解决方案和更有竞争力的交 In March 2014, our first peer-to-peer P2P lending platform based on social relations was established in Beijing Zhongguancun. Subsequently, cooked, borrowed, borrowed treasure, quietly borrowed a number of peer sites based on the circle of acquaintances P2P website has also been on the line. These financing platforms will be based on financial transactions based on the relationship between alumni, friends and other support to the Internet technology. In theory, social finance should provide a more complete credit risk solution than the general model of P2P online loans and a more competitive payment