This paper explored the influencing factors of residents choosing P2P net loan products from the perspective of investor in Xiangyang by exploratory factor analysis，double hidden layer neural network model，stepwise regression model.The result showed that investment reliability factor，factor of investment convenience and investment risk were three factors in choosing P2P net loan products.The P2P net loan penetration was low；residents were not familiar with P2P net loan products.The residents attached great importance to net loan platform business processing efficiency，service quality，operation standard，bad debt rate and risk control measures.