P2P网络借贷在中国已经展现出了强大的生机与活力，但信用风险的存在制约行业发展的步伐。本研究即对中国该行业信用风险的状况、成因及防范措施进行分析。 研究以金融风险理论、信用风险理论和信息不对称理论对P2P网络借贷的内涵外延、主要业务模式与发展前景及趋势进行了系统梳理；从外部制度环境和内部发育机制就我国P2P网络借贷信用风险现状进行分析，明确信用风险是我国P2P网络借贷行业最主要的金融风险；以利益分析为基础，对作为P2P网络借贷最主要的两大信用风险主体的平台与借款人的风险发生机制进行了深入剖析；从发展现状、运营模式、贷款定价机制、产品盈利模式、违约风险控制措施、监管模式六个维度借鉴英美的三个大型P2P网络借贷平台的经验提出我国P2P网络借贷信用风险防范的具体经验。 研究认为，需要从平台和借款人两方面为重点，着手建立我国P2P网络借贷的信用风险防范体系。在平台方面，一要进一步加强对P2P网络借贷平台的政府监管；二要以信息披露为核心完善行业自律环境；三要构建平台内部信用风险防范机制。在借款人方面，一要构建开放式的全社会互联网金融征信体系；二要推进P2P网络借贷行业征信系统接入人行征信系统；三要建立健全行业内部信息共享机制；四要建立贷后追踪机制；五要建立有效的违约追索和惩罚机制。

P2P lending has shown strong vitality in China, but the existence of credit risk restricts the pace of development of the industry. This study is to analyze the status, causes and preventive measures of credit risk in the P2P lending industry in China. This paper systematically analyzes connotation and extension of P2P lending network, main business model, development prospects and trends by using financial risk theory, credit risk theory and information asymmetry theory. It analyzes the situation of credit risk of P2P network lending in China from the external environment and internal mechanism of development, and clearly shows that the credit risk is the main financial risk of P2P network lending industry. Interest analysis as the basis, this paper makes an in-depth analysis on risk mechanism of P2P network lending platform and borrower, which are two of the main body of credit risk. This paper puts forward specific experience about how to prevent credit risk of P2P lending in China by drawing lessons from the three large P2P network lending platform of the British and American countries on the six dimensions, which are the development status, operation mode, loan pricing mechanism, product profit model, default risk control measures, supervision mode. The research believes that we should focus on the two aspects of the platform and borrowers to set about establishing a credit risk prevention system for P2P network lending in China. In terms of platform, we firstly need to further strengthen the government regulation of P2P lending platform. Secondly, we should focus on information disclosure and improve the industry self-discipline environment. Thirdly, we must build a credit risk prevention mechanism within the platform. In terms of borrower, firstly we should build an open Internet financial credit reporting system including the whole society. Secondly, push the credit system of the P2P network lending industry insert People's Bank Credit System. Thirdly, establish and improve the internal information sharing mechanism including the whole industry. Fourthly, establish loan tracking mechanism. The fifth is to establish effective recourse and punishment mechanism.