Personal Credit Risk Assessment Of P2P Network Lending Based On Intuitionistic Fuzzy Analytic Hierarchy Process

With the downturn of the macro economy,the difficulty of SMEs and personal loans has increased,and the bank loan procedures are complicated and long time.At the same time,the return of investors' funds in banks is generally low.Peer-to-Peer lending,which has the characteristics of low threshold,high profit and flexible operation,effectively alleviates and compensates for the practical problems of small and micro enterprises and personal financing difficulties.And relying on the rapid development of the Internet,P2 P Online lending has become a fast-rising industry.According to the online loan home,there are a total of 1,009 P2 P network lending platforms in normal operations nationwide,and the cumulative transaction volume of the P2 P online lending industry has reached 8.13 trillion yuan at the end of January2019.However,with the rapid development of the P2 P online lending industry,the credit risk in P2 P online lending has gradually emerged.Most P2 P online lending platforms lack professional professional credit risk appraisers,and the review of borrowers only relies on evaluation.The subjective judgment of the personnel on the credit information of the borrower greatly affects the financial security of the individual investor.The platform risk,management risk,capital risk,technical risk and personal credit risk of the online loan industry overlap each other,which restricts the development of the P2 P online lending platform.Personal credit risk is the most important risk in P2 P online lending industry.In order to ensure the maturity of P2 P online lending industry and improve the competitiveness of online lending platform,it is urgent to solve the personal credit risk problem.Based on the relevant research literatures on P2 P online lending personal credit risk evaluation,this paper expounds the concept and characteristics of P2 P online lending,the operation mode of online lending and the credit risk of online lending.This paper introduced and analyzed the dvantages and disadvantages of credit evaluations.Finally,the intuitionistic fuzzy analytic hierarchy process is selected as the analysis method.At the same time,based on the personal credit risk evaluation index of the main domestic P2 P online lending platform,combined with the experience of the domestic main credit system personal credit risk evaluation,the P2 P online lending personal credit risk evaluation index system is constructed.Finallyconducting an empirical analysis of personal credit risk of P2 P online lending to a certain person with the intuitionistic fuzzy analytic hierarchy process,and deeply exploring the factors affecting personal credit risk.Advise P2 P network lending industry on the standardization management of P2 P online lending from the perspective of platform,industry and government,hoping for online lending credit Evaluation and measurement provide a solution that can be referenced.Through in-depth study of personal credit risk assessment of P2 P online lending,it is helpful to deepen and expand the research theory of personal credit risk in Chinese P2 P online lending industry.At the same time,using intuitionistic fuzzy analytic hierarchy process to evaluate the personal credit risk of P2 P online lending,it is helpful to improve The P2 P platform and the lender's ability to resist risks reduce personal credit risk.