中文摘要：

P2P（个人对个人）网络借贷是指通过网络借贷平台,在全球范围内实现个人与个人或小微企业间的小额信用借贷交易.P2P网络借贷作为全新的互联网金融服务受到商业界的高度关注,而且发展成为学术研究的国际前沿领域.对P2P网络借贷相关研究文献进行了综述,具体从影响借贷交易的信息因素、羊群效应以及社交网络等3个方面分析了该领域研究的现状和发展脉络.因为中国已超越美国成为全球最大的P2P网络借贷交易市场,所以结合中国的具体情境和问题,提出了未来研究工作的展望.

英文摘要：

P2P （peer-to-peer） online lending refers to the micro credit loans between persons or between persons and small firms in the world, which is conducted on the network lending platforms. As a new internet fi- nance service, P2P online lending becomes not only a business focus, but also an academic research frontier. This paper reviews the literature on P2P online lending from three aspects： The influencing factors, herding effect, and social network of lending transactions. Because China has surpassed USA to be the largest P2P online lending market, some promising future researches are proposed considering the specific situations and scenarios in China.