Research On Statistical Modeling For Comprehensive Evaluation Of Competition Of Internet Finance Enterprises Based On P2P Online Lending Data

P2P online lending,which is short for Peer to Peer,is a kind of business model by which people can use internet technology to achieve direct financing behavior.As a typical form of Internet finance,P2 P online lending has been developing rapidly in recent years.While,P2 P online lending goes through a wave of bankruptcy,which has caused great social unrest.It is of great practical significance to evaluate the competitiveness of P2 P online lending platform.An multi-level evaluation index system for the competitiveness of P2 P online lending platform is constructed by researching on the theory of enterprise competitiveness and the characteristics of P2 P online lending.Then based on the index system,principal component analysis and grey relational analysis are used to evaluate the competitiveness of the sample platform.According to the ranking results of two simple comprehensive evaluation methods,a combined-evaluate model tested by artificial neural network model is established,which leads to the conclusion that the combined-evaluate model is scientific and reasonable for the research of competitiveness of P2 P online lending platform.According to the weight value of each index in the model,we can conclude that among the four components of the competitiveness of P2 P online lending platforms,brand gravity and scale strength are the two factors that have a greater impact on the competitiveness of the platforms,the specific indicators of which are the volume of transactions,the number of investors and the number of borrowers.Operational capacity and risk control capacity are the secondary factors that impact on the competitiveness.The representational indicators are unpaid balance and per capita investment.Some suggestions are puts forward on how to improve the competitiveness of P2 P online lending platform and how to choose a safe and efficient investment platform for lenders.According the research operators of P2 P platforms can find their own weaknesses in competitiveness and some reference for making decisions to enhance competitiveness.