关键词: P2P网贷平台, 道德风险, 区块链技术

Abstract:  Based on the characteristics of decentralization, distributed ledger, intelligent contract, data non-tamperability and consensus mechanism of blockchain technology, the application feasibility of blockchain technology to the moral hazard management of P2P online lending platform is demonstrated by using the game theory, and moral hazard governance mechanism of the platform based on blockchain technology is formulated, including blockchain-based infrastructure design of the platform, establishment of “four-in-one” social constraint mechanism with the alliance chain as the underlying network, construction of online lending blacklist sharing platform, and digital identity authentication and record-making mechanism. Finally, suggestions on moral hazard governance of P2P online lending platform based on blockchain technology are put forward.

Key words: P2P online lending platform, moral hazard, blockchain technology