Research On The Credit Risk Assessment Of Peer-to-peer Network Lending Platform Based On Main-composition Analysis

P2P networks as the typical representative of the new model of Internet banking lending,due to its rapid development in recent years by investors as well as domestic and foreign scholars' attention.Due to the lack of regulation makes lending P2 P network P2 P network lending platform there is a big credit risk,but the existing literature for P2 P network lending credit risk assessment platform mainly for the borrower's credit rating,the P2 P network lending platform itself credit risk has not been thoroughly studied.Our data and risk early warning model based on P2 P network lending platform,this paper will be the case and issue credit ratings platform model results obtained with the occurrence of P2 P lending platform were distinguished.On the basis of the model is suitable for the P2 P network lending platform credit risk studies,five main components which influence the P2 P network lending were studied.Secondly,in order to more accurately assess credit risk,Combining with “the healthy development of the Internet financial guidance ”,investors focus on third-party credit and a lot of realistic problems in the risk investment into lending to P2 P network platform,the third-party credit has been added to the original model and risk investment into the variables to build the new model,and analyzed accordingly.The results showed that the main factors affecting the credit risk of P2 P platform mainly five aspects,namely platform survival time,the basic characteristics of the platform,the platform leverage performance indicators(leverage risk),platform trading conditions,investors consider the time the investment decision,and five factors aspects of credit risk is very significant.Finally,according to the factors influencing the P2 P lending platform of credit risk analysis,put forward the corresponding Suggestions of reducing the risk of credit.