As a new financial format and a direct trading system between the two sides of the financial resources, it have special advantages in promoting the development of sharing economy and the realization of "Inclusive Finance". P2P network lending as a classic form of Internet banking, but also to accelerate the evolution of traditional finance to share the financial process, but also accompanied by the risk. In this paper, standing on the point of view of lender,risk of online P2P lending can be

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... ided into two parts,one is the potential risk of lending platform,the other is default risk of borrower.Select 2015 March to 2016 February data samples, and combined with the typical case for nearly a year, in-depth analysis of the characteristics and influencing factors of nearly a year of platform,and for the P2P net loan industry to provide theoretical basis for the development of the road to maturity.