P2P借贷中借贷人违约风险影响因素研究摘要当社会的金融供给体系无法适用于迅猛发展的信用需求，互联网金融便逐渐进入大家的事先中，并且随着产品不断地创新以及发展规模的迅速扩大，其风险也一直在积累，而国家层面的还没来得及颁布相关的一些法律法规，所以分析得出P2P网络借贷的风险类型和影响因素，并且最终解决这些风险点，这是非常重要的。由于我国目前正在实行利率等方面的改革，这就使的金融负债的压力增大从而导致存款规模的减少，除此之外对资本的监管也将变得更加严格。人们对金融产品创新的理解也在随着互联网的发展而不断的深化，结合这种情况，决定以P2P网络贷款的运作模式为切入点，通过深入的分析研究，在该贷款原本的运行模式上结合国内的学者从该模式上获得的经验对该模式进行了创新。我们应该分析P2P网络贷款量和利润率的影响因素。找出其中的核心要素。P2P网络贷款的深度挖掘是P2P网络贷款的重要危险性能和把握。但是我国的网络金融监管处于起步阶段对很多金融产品缺乏监管经验，目前正处于探索阶段。我们将重点研究P2p网络贷款违约风险因素，提出P2印p网络贷款违约风险建议。关键词：互联网金融P2P借贷风险2AbstractWhen social credit demand gradually over the financial system of creditsupply,Internet financial innovation also arises at the historic moment,and with thescale enlargement of the optimization of product innovation and development,itsrisk also has been accumulated,and because of the level of regulatory policy has notbeen issued,so through analyzing deeply the P2 P network lending risk types andinfluence factors,finally solve these risk point is very important.At present,with theimplementation of interest rates in ChinaReform,the formal financial debt pressure will increase,the deposit scale will also bereduced,capital supervision will be strict.With the rapid development of theInternet,people's understanding of financial product innovation is deepening.Theoptimization of P2 P network loan operation mode and the development of networkfinance can not only promote the development of small and medium-sizedenterprises that are not benefited from the formal finance in China,but also makeuse of the advantages of the Internet to enhance the innovation of financial productsand serve ordinary investors.Therefore,this paper starts from the operation mode ofP2P network loan,analyzes the operation mode of P2P network loan in the past,andputs forward an innovative operation mode of P2P network loan.Based on the factthat domestic scholars obtain certain results from P2P network lending,we shouldanalyze the influencing factors of P2P network lending volume and profit rate.Identify the core elements.The deep mining of P2P network loan is the importantdangerous performance and grasp of P2P network loan.China's network financialsupervision has just started,and the supervision of many new financial products isstill being explored.We will focus on P2p network loan default risk factors,andpropose Suggestions on P2p network loan default risk.Key words:Internet finance;P2P lending;risk