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The Research On The Peer-to-peer Trust Model Under The Internet Financial Environment

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Recently, with the continuous development of internet technology, the IOF( internet of finance)came into being and became part of people’s financial lives. Among all the kinds of IOFs,P2P(peer to peer)internet finance is developing very rapidly. As a new financial innovation model,P2P lending platform solved the problem of SMEs’(small and medium-sized enterprises)difficulties in corporate finance to some extent, and satisfied the need to maintain the value of personal assets. However, fraud and bad faith phenomenon appeared at the same time. As a result, it’s important to contribute the P2P internet financial trust environment. This paper introduced the development of IOF and the background of trust environment’s research, explained some relevant definitions and connotations, and proposed a trust model based on lender’s own experience, others’ recommendation and environmental factor.