Abstract:

P2P lending has grown at a madly quick speed in recent years.In the mean times,problems also come out due to the fact that no one is willing to risk the credit crisis.The core problem is that information between borrowers and lenders is imbalanced.To solve this problem,it is necessary to build credit archives systems.Other solutions include the establishment of a unified and authoritative credit protection agency,a sound credit evaluation mechanism under the unified credit guarantee institutions and a mechanism for sharing information.

Key words: P2P credit system;  , Credit risk;  , Information asymmetric;   , Credit archives;   , Information share