The Research Of P2P Credit Risk Assement Method

since 2012,Chinese P2P lending platform developed fast, while the number of platform grow quickly and investors crazy for it, its high risk also gradually exposed, platform run road, capital chain rupture, high-quality assets is hard to find the phenomenon such as frequent, credit risk is becoming more and more serious. As the government’s regulation of the Internet financial deepening, lending to P2P network platform in China since 2016’s growth began to slow, there are some of the exiting P2P industry platform, P2P lending platform’s survival pressure gradually increase.P2P lending platform in China are faced with the risk of liquidity risk, policy and law, information technology risk, operation risk, investors and borrowers risk credit risk, etc. Factors affecting the healthy development of the P2P lending platform in China are the sluggish economy, lack of supervision, quality is hard to find, the financial system is not sound, lack of credit system and so on reasons, but in the fact, the most fundamental factor which restrict the development of the P2P lending in China is the lack of effective risk evaluation mechanism and high credit risk, investors also lack of effective judgment, through comparing the analysis of domestic and foreign outstanding lending to P2P network platform and the traditional way of credit risk assessment, based on the Angle of investors, respectively provide solutions from the platform risk identification, the borrower credit risk control and investors own three aspects.In the aspect of platform credit risk identification, through the analysis of the characteristics of problem platform, respectively from the platform of operating conditions, head of the overall quality, identify recommendations for the platform system; In terms of dispersing risk, respectively from the raise the level of investors themselves, for investors to provide suggestion to diversification; When evaluate the credit risks of the borrowers, fully absorb domestic and foreign outstanding P2P network platform, commercial bank Lending to individuals and small micro enterprise credit risk evaluation method, on everyone, on loan, loan Lending Club personal credit score, credit sesame, CCB, ICBC small micro enterprise credit rating method, German IPC credit risk calculation method, the owners credit score based on the credit risk assessment methods, such as edge fusion, respectively from the two aspects of individual and enterprise credit risk evaluation of P2P platform in our country, and make full use of borrowers’ shopping certification, certification of social, such as sesame credit data, for each index weight through AHP level discriminant method, selection and test all credit data. The empirical results show that the newly established borrowers to people and institutions separately from the borrower credit risk assessment method can identify risk more effectively, and can improve the risk control ability of the platform.