Research on Crisis Perception Model of P2P Network Lending Platform

According to the risk characteristics of the P2P network lending platform, the paper summarizes the influencing factors of the perceived risk comprehensively. It extracts the appropriate P2P network lending platform for the perceived risk dimensions. Material capital variables have a direct impact on perceived risk dimensions. User factors are affected by the user's perspective, and it has a direct impact on perceived risk. Web site features variables have a direct impact on perceived risk dimensions. Social environment impact of this variable on the impact of perceived risk is not significant.