中文摘要：

以P2P网贷为例,对互联网金融市场的信用风险评估进行研究。具体而言,全面分析了P2P网贷平台面临的传统金融风险和信息科技风险,提出了P2P网贷市场信用风险评估的指标体系,设计了基于BP神经网络的信用风险评估模型,并用matlab软件进行仿真,对样本数据进行训练与检验。仿真结果验证了评估模型的有效性、准确性和便捷性,具有广阔的应用前景。

英文摘要：

Taking P2P maline lending for an example, the paper presents a study of credit risk assessment in the Internet finance market. Specifically, it makes a comprehensive analysis on traditional financial risk and information technology risk that P2P online lending plaform is confronted with, proposes an indicator system for credit risk assessment in P2P online lending market, designs a credit risk assessment model based on BP neural network, carries on the simulation with the MATLAB software, and conducts training and testing of the sample data. The simulation results prove the validity, accuracy and convenience of the proposed model, and show a broad application prospect.