Research On The Credit Evaluation Of The P2P Lending Platform

Thanks to domestic small loans demand continues to grow and the Internet financial innovative development,P2P lending industry is developing rapidly in recent years,but also exposed some problems and security risks.With the P2P market size gradually grow,the number of enterprises operating P2P business soared,P2P lending platform chaos also arising,the credit problem of platform has become a barrier to the healthy development of the industry.Therefore,it is necessary to study the credit evaluation of P2P borrowing platform,and to develop a operational,credible and comprehensive credit evaluation index system.So as to urge P2P lending platform to provide a good lending environment to protect the lending transaction system healthy and orderly development.In view of the research of this paper,firstly,based on the theory of credit evaluation,the thesis expounds the development status and the current credit problem of P2P lending platform.Secondly,based on the understanding of P2P lending platform credit concept,inspecting P2P platform credit standing from credit basis and credit behavior.Through investigating and analyzing the factors influencing the credit of P2P platform obtain significant influencing factors,then taking these factors as credit evaluation elements and its layers of subdivision,so as to construct a credit evaluation index system of P2P lending platform with three-level index structure,which makes up the deficiency of existing platform credit evaluation.Thirdly build a P2P platform credit fuzzy comprehensive evaluation model,thus based on AHP fuzzy comprehensive evaluation method,the result of P2P lending platform credit rating can be obtained.Finally,taking 10 P2P platforms located in Jiangsu Province as an example,based on the acquisition of platform-related data,calculating the credit rating of these platforms according to the credit evaluation index system and credit fuzzy evaluation model.