Research On Risk Assessment Of Peer-to-peer Lending Platform Based On AHP

In recent years,along with the relevant national policies,banks have tightened liquidity,the difficulty to get loans from banks increased small and medium enterprises and individual borrowers to peer-to-peer lending as the representative of small and micro credit loans and private funding agencies began to develop rapidly greatly enhance the financial efficiency of the financial markets.However,due to the lack of national regulatory bodies and regulatory policies,a series of issues and risks appeared to peer-to-peer lending.Therefore,the systematic assessment and effective control is necessary for the risk of peer-to-peer lending platform.Contents of this paper is first analyzed the domestic and foreign literature and theory relevant to risk assessment,control methods of P2 P network platform for credit risk assessment,based on a comparison of domestic and foreign credit P2 P network platform for several major business model analysis,and on the domestic P2 P networks Status of the development of credit consolidation.Then for the main problems currently P2 P network credit industry is facing,identify and addressed policy and legal risks of P2 P network credit platform facing the business model and the development status of domestic P2 P network credit platform,market risk,credit risk,operational risk,liquidity risk and IT risk.Finally AHP to construct a risk assessment index system,the hierarchy structure and consistency matrix model,a risk assessment to determine the index weight,combined with six credit risk of P2 P networks,P2 P network 20 domestic credit scoring and quantitative analysis platform and rating.This paper finally obtained P2 P network credit platform facing the risk of influence of the order of credit risk,liquidity risk,operational risk,market risk,IT risk,policy and legal risks,combined with P2 P network credit risk ratings in the text of the assessment results the interpretation of verification,basically consistent with the results of the assessment.Finally,combining internal and external risk and credit analysis of the results of the P2 P network platform,system design and other aspects of risk prevention recommendations from regulatory control and optimization of internal processes outside.