Research On P2P Leading Network Platform Investment And Decision-making Based On ELECTRE Heterogenous Multi-attribute Group Decision Making

Internet technology from the 1969 US Department of Defense Research Projects Agency(ARPA) originally was used for military purposes, then slowly converted to civilian. Especially in the last ten years, the Internet has given the world enormous changes. People can get lots of information and data via the Internet. Internet has become a necessity in people’s lives, while it plays a important role in the rapid development of the world economy. Premier Li Keqiang first time written the “Internet +" concept into the government report in 2015, hopes to "Internet + traditional industry" action to help China’s economy to take off again. Thanks to Internet +, a large number of such as "Big Data", “Financial Disintermediation", “Equity crowd funding" and "Maker" new concepts gradually appear in people’s perception. Internet is no longer limited to get access to news, photos, videos and other related information.P2P(Peer to Peer) network lending as a model of financial development of the Internet, was born in 1976 in Bangladesh’s micro-credit model. In 2005, Britain’s first on-line network lending platform Zopa lending operations made the P2 P network to enter a new model. In June 2006, the first domestic P2 P leading network platform CreditEase was set up in Beijing, and then the P2 P lending in China got rapid development, such as ppmoney, Hongling Capital and Jimo Box etc. By 2004, P2 P leading network platforms cumulative volume of more than 329.1 billion RMB. At the same time, accompanied by fast development of the P2 P network platform, a large number of platforms as a result of weak risk-control ability and blind investment, lead to repayment expectations or investment funds will not be repaid, platform to run away. Therefore, how to control risk, choose high quality investment project, not only for investors, but also for the platform itself has important guiding significance.Current researches on P2 P of investment decisions are rarely, while research on investment decisions has two kinds of defects: on the one hand, the risk of the investment decision-making process is done in a single decision-maker’s ability. On the other hands, the decision did not take the weight of each decision makers into the decision. Due to the important degree of each decision makers in the decision making process is different, therefore, to make decision more convincing, the weight of each decision makers must be considered.In this paper, it presents a heterogeneous multi-attribute group decision making method based ELECTER III P2 P net loan platform for investment decisions. It mainly do a bit of several aspects:(1) It describes the detailed development history of P2 P lending platform and the operation mode of the representative platform at home and abroad.(2) It introduces the characteristics of the decision making process of the invested project and the existing decision-making method. And it put forward that establishment of index plays a key role in the process of project decision-making. So based on previous decision index research, this article gives indicators of risk investment project selection decisions.(3) It presents a heterogeneous multi-attribute group decision making method based ELECTER III P2 P net loan platform for investment decisions. The method using real numbers, interval numbers, trapezoidal fuzzy number, triangular fuzzy numbers, trapezoidal intuitionistic fuzzy numbers, intuitionistic fuzzy sets and linguistic variables to describe the properties of the evaluation indicators value. In order to transform different types of attribute value into the same dimensional form, it introduces the weighted average operator(OWA), ?- cut, ?- cut and the lower and upper possibility means. Then it gives the methods to compute the attribute weights by rough set theory and the decision makers weights by category TOPSIS. An expanded ELECTER III is established to sort the solution set and get the optimal solution from the all decision-makers information.(4) Combining with the based on preference degree heterogenous multiple attribute decision-making method and analyzing, the ELECTER III method attributing to weighty information of decision makers is calculated. Comparing with the weighty information given by the based on preference degree heterogenous multiple attribute decision-making subjectively, the method are more accuracy and reliability.