Study On The Risk Evaluation Of Peer-to-peer Lending Platform In China

Peer-to-Peer lending(P2P),with its low threshold,high-yield,convenient and efficient features from 2007 began to rise and prosperous gradually,and experienced the continuous growth of more than 100% in the last three years in the transaction volume,with rapid development momentum.However,P2 P lending is gradually accepted by the public at the same time,P2 P lending platforms collapse,running,illegal fund-raising and other issues have been exposed,investors are faced with enormous financial risks.The risk assessment of P2 P lending platform for research could help the P2 P lending platform operators to carry out the risk assessment and response of their own,and help investors,regulators,the borrower can do the risk assessment of P2 P lending platform developed in accordance with the results of their risk and take measures to avoid.This paper introduces the current situation of P2 P lending network status,and participation in the development of the parties to pay more attention to the comprehensive risk types of the P2 P lending platform and analyzes its reason,establish a comprehensive risk assessment model of P2 P lending platform,uses the fuzzy comprehensive evaluation model and in determining the index weight by AHP,using qualitative and quantitative methods,and get an objective and comprehensive risk evaluation of P2 P platform.The empirical results of the model can be used to compare and judge and take more favorable measures for investors,lenders,platforms and regulators.