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This paper aims to explore current practices and challenges in credit risk management within peer-to-peer lending platforms.

Credit risk management in peer-to-peer lending platforms: A systematic literature review

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Systematic literature review identifies trends and challenges in credit risk management for P2P lending, suggesting improvements for future research.

This paper aims to explore current practices and challenges in credit risk management within peer-to-peer lending platforms.
Conducted a systematic literature review based on 453 articles, with 428 analyzed through bibliometric analysis and 280 through content analysis.
Included thematic mapping and identification of research trends and gaps across theoretical, contextual, and methodological aspects.
Focused on quantitative analyses and predictive optimization of default risk using machine learning.
Identified a dominance of research streams on predictive optimization of default risk and predictors of default likelihoods, with both relying heavily on public data.
Noted that 75% of studies concentrated on consumer lending in China and the USA, and 97% of studies engaged in quantitative analyses.
Proposed an integrative framework that aggregates key factors related to default in consumer and business lending, indicating gaps for future research.

Zhu et al. (2026) studied this question.

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Systematic literature review identifies trends and challenges in credit risk management for P2P lending, suggesting improvements for future research.