Peer-to-peer (P2P) lending is a market with significant growth in recent years. We review the academic literature published during the last decade on P2P lending to identify the main research trends and find potential gaps that limit stakeholders' use of research proposals. We perform both a bibliometric and systematic analysis. The bibliometric analysis will identify the most influential papers and the relationship and evolution of the main topics. In the systematic analysis, we categorized the documents according to methodological elements and business aspects. Remarkably, many proposals include artificial intelligence or machine learning algorithms. However, many of them lack a proper understanding of the application context, the definition of potential variables in a business framework, explainability, etc. Such elements should be recognized as essential elements to exploit their benefits. In this respect, we provide some recommendations and show future research directions.

点对点 (P2P) 借贷是近年来增长显着的市场。我们回顾了过去十年发表的关于 P2P 借贷的学术文献，以确定主要的研究趋势，并找出限制利益相关者使用研究提案的潜在差距。我们进行文献计量和系统分析。文献计量分析将确定最具影响力的论文以及主要主题的关系和演变。在系统分析中，我们根据方法论要素和业务方面对文件进行了分类。值得注意的是，许多提案包括人工智能或机器学习算法。然而，他们中的许多人缺乏对应用程序上下文、业务框架中潜在变量的定义、可解释性等的正确理解。这些要素应被视为利用其利益的基本要素。在这方面，我们提供了一些建议并展示了未来的研究方向。