Abstract: The article focuses on the phenomenon of the decrease in the volume and quantity of the P2P network lending platform. It uses the methods of web crawling technology to obtain the actual data of 40 P2P network lending platforms in the four categories of listing,state-owned,venture capital and entrepreneurship. The paper establishes a credit evaluation model for P2P network lending platform based on four dimensions:brand credit,transaction credit,popular credit and service credit. It uses the csQCA method to analyze the configuration factors of its platform credit. Research shows that the transparency of information in transaction credit is the main factor affecting the credit of P2P network lending platform,and secondly,the degree of compliance in brand credit. High brand credit is a necessary condition for the high credit value of the listing system and the entrepreneurial P2P network lending platform. High transaction credit is a necessary condition for the high credit value of the P2P network lending platform of the state-owned assets. Therefore,the government and P2P network lending platforms should focus on changes in brand credit and transaction credit,creating a good trading atmosphere for borrowers and lenders.