A Research On The Risk Of Peer-to-Peer Network Lending Based On The Fuzzy Analytic Hierarchy Process Model

With the development of Internet finance and the extensive penetration of Internet technology in China, the traditional model of financial operation is changing with the new moon. As a new financial operation mode, the P2 P network lending is developing rapidly under the background of Internet, which will have a great impact on the traditional folk lending ideas and methods. Since 2007, P2 P lending model was introduced into China by much small micro enterprise investment and financing entrepreneurs those who favor. After nearly nine years of development, the P2 P network lending shows a thriving, flourishing development outlook, and showing great potential for development. By the end of 2015, the total number of our P2 P network lending platform up to nearly 3000, involving a total turnover of nearly one trillion, effective investors reached 50 million people, the total number of platforms and clinches a deal amount showed multiple growth.But at the same time, the P2 P network lending industry also enters the crisis high stage, such as frequent default, cashing difficult, donate money to foot, and Pons scheme etc. problem. By the end of 2015, the total number of issues platform has reached nearly 900, all to a lot of participation in the main hinted that the P2 P network lending industry may contain a variety of risks. And, in the background of the growing complexity of Internet finance in China, many participants need to understand the real risk of the P2 P network lending industry in China. Although many scholars have put forward a lot of measures to prevent the risk of the P2 P network lending industry, but working from the theoretical point of view, which is easy to lead to the proposed measures lacking pertinence.In view of this, this paper is based on the actual situation of our country, based on a large number of domestic and foreign experts and scholars, establishes a risk assessment model for the P2 P network in our country, which explores the key factor that causes the risk of P2 P network in our country. Finally, the conclusion is drawn that the P2 P network lending industry is at a very high risk. And, based on the in-depth analysis of the risk assessment results, this paper gives a comprehensive and targeted risk prevention measures and recommendations.