Research On Credit Risk Evaluation Of P2P Network Lending Platform

The development of intermet finance has spawned P2P network lending,as an innovative product form,which relieves the financing pressure of small and medium-sized micro-enter:prises to a certain extent,reduces transaction costs,makes up for vacancies in traditional financial services,and alsoprovides new channels for Chinese residents to investment financing.However,the barbaric growth of the P2P network lending platform,the blankness of industry supervision,and the frequent outbreak of credit risk crisis make the future development of the P2P network lending platform challenging.How to correctly understand the credit risk of the P2P network lending platform and conduct effective risk prevention has become the focus of our attention.This article first briefly introduces the development stage and process of P2P network lending,and then introduces the development status and user situation of current P2P network lending in China.After that,it analyzes the factors influencing the credit risk of the P2P network lending platform and sets the credit risk assessment system through the analytic hierarchy process.Case analysis method is used to introduce the background,charging model and risk control system of the Hongling Venture Capital Platform.The questionnaires and interviews are distributed to professionals in the form of data.Fuzzy comprehensive evaluation method is used to analyze the weight of various factors.The analysis concludes that due diligence,industry alliances,and lack of self-regulatory organizations have become the most important factors affecting the credit risk of Hongling Venture Capital.The overall risk weight is 3.0044,and the corresponding risk level is"higher".Taking this as a starting point,relevant suggestions for the prevention of credit risk on the P2P platform are proposed.Through establishing barriers to entry,establishing industry alliances and self-regulatory organizations,the P2P platform improves its own due diligence capabilities and information disclosure levels to better respond to future market changes,and promote the healthy development of the industry.