A Study On The Current Situation And Problems Of Internet Finance In China

From the date of emergence of the Internet, finance, not only its own rapid development, but also greatly changed the way of life and mind of the people, as the Internet and p2p net loan finance most representative and innovative business model, very scientific value. But throughout the existing literature material, mostly from the perspective of economics, to study its business model, a huge space research and statistical analysis. Based on the large amount of data collected from the current development research p2p net loan industry point of view, findings highlight the problems facing the industry, to build a platform for comprehensive competitiveness evaluation system.Firstly, The method used descriptive statistical analysis of the Internet in China, the rise of financial reasons, p2p net loan industry development status and problems of net loan platform frequent problem to do the research, come to China p2p net loan industry has entered a stable stage of development, at present urgent problem is how to evaluate the conclusions of the scientific platform;Secondly, China to build a p2p net loan platform targeting comprehensive competitiveness evaluation system, divided into several steps to complete. First, the selection of indicators, studying the comprehensive competitiveness evaluation methods listed banks and listed companies on the basis of combining the characteristics of China itself p2p net loan industry, selected volume, the number of investment, number of borrowers, loan term, the borrower subject and number 12 index; Secondly, acquisition and pre-processing platforms and data selection and choose the 57 furniture typical net loan platform based sub empirical object of study, these indicators 57 platforms for collection and pre-processing of data; Again, selection method, using a wide range of applications of multi-index comprehensive evaluation method-factor analysis, results evaluation model; Finally, the data into 57 net loan platform derived its overall competitiveness ranking results.The main innovation of this paper is to use the traditional factor analysis of emerging p2p net loan platform to do the comprehensive competitiveness evaluation, and in the process of building a model of the original data were standardized and non-dimensional treatment. Comparison of results obtained with the actual situation.