随着互联网金融的快速发展，中国P2P 网络信贷规模从2011至2012年经历了爆发式的增长。由于我国P2P 信贷大多依靠线下渠道开发与审核，尤其存在监管缺失、信用环境差和监管缺失等先天不足的特点，近年频频爆出P2P 信贷欺诈与恶意违约等事件。截至2014年P2P 信贷平台一共出现了涉及倒闭、提现难、跑路等共计261 个问题，较2013 年增长率达302.68%。 P2P 网络信贷受到了越来越多质疑，对信用风险审查也成为其平台业务的重中之重。P2P 网络信贷信用审查的高成本与信贷业务中高违约风险是我国P2P 网络信贷呈现的显著特点。本文在总结国内外学者研究成果的基础上，对P2P 网络信贷违约的形成及违约现状进行深入探讨，得出P2P 不同于以往传统的信用贷款违约的新特征。通过采用美国Prosper网站数据，运用Logistic 回归模型分析违约的影响因素，同时建立P2P 网络信贷的信用评分表，实证分析的结论是，可支配收入百分比、年龄、是否为外国人和婚姻性别等指标对P2P 网络信贷违约风险具有显著影响。最后结合我国P2P 网络信贷的发展情况，从投资者教育、建立标准化体系和监管及政策等方面对P2P 网络信贷违约的风险防范的实施提出建议。

With the rapid development of Internet financial, P2P from 2011 to 2011 China has experienced explosive growth. Due to mainly rely on P2P offline channels development and audit in our country, especially there is lack of supervision, poor credit environment and lack of regulation and the characteristics of the congenital deficiency, frequently reported in recent years the P2P malicious default and fraud. By the end of 2014 there have been involved in P2P collapse, withdrawal, and run a total of 261 questions, the growth rate of 302.68% in 2013. P2P questioned by more and more, credit risk review of P2P business have become the top priority. P2P credit review of high cost and high risk of default of credit business is marked characteristics of our country's present P2P. In this paper, on the basis of summarizing the domestic and foreign scholars research achievements, the formation mechanism of P2P default and then explores its default status, it is concluded that the P2P new characteristics different from traditional credit default. Prosper website data through the adoption of the United States, using the Logistic regression model to quantitative analysis of the factors which influence of default and establish P2P credit scale, the conclusion of the empirical analysis is that the percentage of disposable income such as gender, age, whether for foreigners and marriage index has asignificant influence on P2P default risk. Finally the P2P development present situation in our country, from the investor education, establishing standardized system and regulation and policy some aspects puts forward Suggestions for the implementation of the P2P default riskprevention.