Information asymmetry theory refers to the market economy activities, the differences between event participants understanding of relevant information; Master information is fully one side often in a more advantageous position, and poor information of one party is at a comparative disadvantage.
P2P trading is done through the Internet, based on the Internet a lot of data and convenient traffic and the innovation of credit means, through online certification and network information search, the lender can collect more information about the borrower, including history, credit record, previous transactions, etc., in addition to the small and medium-sized enterprise financing obstacles of information asymmetry.