Credit Assessment Of China’s Network Lending Platform Study

In recent years, the rapid development of domestic and foreign financial Internet, causing widespread concern in the community. With the rapid development of Internet banking, online loan platform for the rapid growth of the number of the last two years in the country. Because P2P net loan platform is still in a non-threshold, no regulatory status, in order to standardize the development of net loan platform risk control industry, it is necessary to conduct comprehensive rating net loan platform. Therefore, a comprehensive article on the net loan rating has been studied to optimize the choice of platform for investors.This paper begins with the perspective of the theory of financial functions net loan platform for the development of the industry rating of meaning will be explained, come to the further development of net loan platform will net loan rating industry played incentive conclusions. Before rating model building, were characterized by continuing operations platform and default platform for analysis, combined with traditional financial credit rating agency theory, the paper selected indicators rating:five-level rating indicators, namely the competitiveness of enterprises, security, mobility, growth, corporate governance; accordingly further subdivided select 12 indicators, namely volume, popularity, money recognition, the degree of dispersion, transparency, leverage, the average loan period, the amount of money of its own, turnover growth platform revenue, service, brand, which can be considered a comprehensive platform for security and development. At the end of this article, on 30 net loan platform designed in accordance with article rating system for rating and credit rating of a representative of each platform is analyzed to verify the article rating system has some reasonable effectiveness.The innovation of this paper is the development of net loan platform is still in its infancy, is not perfect in all aspects of development, so its relatively few studies academia. The net loan platform Overall Rating study is rare in the country, so this topic is selected relatively new.Credit rating classification from view, there are corporate credit rating, credit rating and national securities sovereign credit rating, while net loan platform like this in the financial services industry, but unlike financial institutions corporate rating, the reference index a reference to the traditional business rating indicators selected are different, and this article in reference to the corporate credit rating as well as a comprehensive network of home loan ratings after net loan platform integrated rating index selection innovative.