本文选取蛋壳公寓“暴雷”事件当作研究案例，通过对这个案例的整体情况、案例事件的发展过程、以及对案例事件发生的原因和其对整个行业和机构产生的一些影响和金融风险来进行分析，研究发现不仅以蛋壳公寓为首的长租行业不断利用财务杠杆去扩张自己经营规模的经营模式以及其与一些金融机构合作的一些金融创新产品例如“租金贷”等问题都是蛋壳公寓乃至整个长租行业不断“暴雷”发生金融风险的原因，并从公司和行业方面为应对一些金融风险提出建议。

This article selects the "Thunderstorm" incident in Eggshell Apartments as a research case, and analyzes the overall situation of this case, the development process of the case event, as well as the reasons for the occurrence of the case event and its impact on the entire industry and institutions, as well as financial risks, Research has found that not only the long-term rental industry led by eggshell apartments continuously uses financial leverage to expand their business scale, but also some financial innovation products they cooperate with financial institutions, such as "rental loans," are the reasons for the continuous "thunderstorm" of financial risks in eggshell apartments and even the entire long-term rental industry. Suggestions are proposed from the company and industry perspectives to cope with some financial risks.