Research On Index System And Evaluation Model Of Personal Credit Evaluation Of P2P Network Loan

P2P is the first march of Internet finance,a large number of P2P(Peer to Peer)network lending appeared in 2007.It is worth mentioning that the initial size of the network lending is small,but with high investment income and low access threshold characteristics,its development momentum is quite rapid in nearly 10 years,it has also been highly recognized by the community.Reliable data show that at the beginning of 2016,there are 4030 P2 P network lending platform in China,its annual growth rate of more than 4%.But because of its lower access threshold and the lack of the corresponding industry standards,so,“escape phenomenon” is common,which is more representative is that the event of “ezubo”,their illegal act shocked the entire P2 P network lending industry.In fact,a large part of the lending platform is due to the lender repayment overdue,which makes the platform received a strong pressure,eventually,its capital chain will be broke off.The central bank has approved eight institutions to carry out personal credit business,people's credit records will be directly reflected in the Internet.Bases on the above situation,this paper studies the main influencing factors of credit score of P2 P network loan,under the premise of ensuring the supervision is effective and the law is perfect,then makes the credit score of network loan by establishing reasonable evaluation index system and selecting reasonable evaluation method.The main contents of this paper includes:Firstly,this paper introduces the research background,the study purpose and the research significance.At the same time,this paper also explains the research status of P2 P network loan score.At last,this paper introduces the research methods and research contents of this paper.Secondly,this paper talks about the theoretical basis of P2 P network loan credit score.This chapter introduces the concept and characteristics of P2 P network lending firstly.Then,it describes the connotation of personal credit score.Finally,it introduces the current mainstream score method.And then completed the P2 P network loan platform credit rating index system design.This paper first introduces the design principle of the whole index system,and then establishes the evaluation index system from seven aspects: personal basic information,social information,consumption information,asset information,mortgage information,collection of running account and rating information.Finally,this paper establishes and analyzes the credit evaluation model of P2 P network loan.Firstly,bases on AHP analytic hierarchy process,this paper designs the credit evaluation model,and designs the weights of each level index.Finally,through case analysis,this paper verifies the feasibility and rationality of the evaluation model.We hope that this study can provide some reference value for P2 P network loan credit score.