对P2P最近一段时间来可以说是众说纷纭,莫衷一是。有评论认为P2P平台利用大数据等先进手段,识别客户风险,实现普惠金融,能够替代传统平台的数量会越来越多,有颠覆传统金融的可能趋势。但是也有评论认为,P2P平台的资金成本,风险成本,远远高于传统金融。P2P平台的盈利模式不可持续, The recent period of P2P can be said that there are many different opinions. There are comments that the P2P platform using advanced tools such as big data to identify customer risks and achieve inclusive finance, can replace the traditional platform will be more and more, there is the possibility of subversion of the traditional financial trends. However, some critics also point out that the capital cost and risk cost of P2P platform are much higher than those of traditional finance. P2P platform’s profit model is not sustainable,