Credit Evaluation Of P2P Lending

In today's rapid development of Internet finance,P2P lending and crowdfunding not only brings convenience to people,but also faces enormous credit risk.Researchers solve these problems,they will provide users with a more secure and convenient trading environment which has become the focus of research.In P2P lending,Lenders and borrowers can not understand each other as deep as traditional finance,information asymmetry is particularly prominent.We find that an effective way to solve this problem is to accurately assess the main lending credit,namely the establishment of credit system and effective user P2P.In this paper,we through the study of domestic and foreign scholars with the credit evaluation methods of P2P lending users.We find that domestic scholars have little research on credit evaluation index of P2P lending users.In view of this,the paper puts forward a credit evaluation method which is used to study the credit evaluation index,it called a comprehensive evaluation method.The credit evaluation value is obtained by considering the user's credit evaluation index and considering the multiple weights,which is Simple operation,time saving,and has a certain degree of credibility.We use 360 of the data to verify the method.In essence,we know more information about all aspects of the borrower,we will be more accurate evaluation of his credit.So we think of the information fusion technology applied to the P2P lending user credit assessment.Based on the approximate cognitive computing system that is a information fusion thought.we put forward a method of information fusion based on granular computing in P2P lending.The method integrates the information of the user,which not only avoids the possibility that the user can get the higher credit evaluation value by the false information,but also can carry on the comprehensive and accurate judgment to the user's credit.We also use 360 of the data and the data collected by the user of the third party data(such as the Department of law enforcement data,etc.)for its experimental verification.Blockchain is the underlying architecture of Internet banking,which has decantation,information transparency and other characteristics.It is the construction of the trust mechanism of the parties a perfect mathematical solution.So we thought that blockchain technology is applied to the credit evaluation of Internet finance,which reduce the phenomenon of a large number of users' credit value to a certain extent and expounds the advantages and disadvantages of the blockchain.