Analysis On The Comprehensive Competitiveness Of P2P Internet Loan Platform

With the rapid development of information technology,P2 P network borrowing has been widely acclaimed by society because of its efficient and convenient operation as well as the formation of personalized interest rates.P2 P online lending platform once showed explosive growth.However,the good times don't last long with the changing of the macroeconomic environment.cash difficulties and running away,the platforms caused great social unrest.how to effectively improve P2 P lending platform's overall competitiveness,the P2 P industry has a significant and far-reaching impact.Therefore,it is of great practical significance to study the comprehensive competitiveness of the P2 P network lending platform accurately and objectively.Based on the theories of enterprise competitiveness and platform economics,this subject analyzes the factors of the comprehensive competitiveness of P2 P online loan platform from two aspects of external competitiveness and internal competitiveness.Using cluster analysis,we construct Including the profit,operation,concentration,scale and growth capacity of 5dimensions,volume,number of borrowers,investors,registered capital and other 14 indicators of P2 P network platform comprehensive credit competitiveness evaluation system.Combined with the characteristics of the evaluation system of P2 P network lending platform to establish the comprehensive competitiveness,factor analysis and evaluation model,through the statistics of wangdaizhijia from January 2016 to December 2016 of 500 net loan platforms for empirical research,analysis of the competitiveness of China's P2 P lending platform network status,and the comprehensive competitiveness of the sample platform measuring and sorting.The research found that: operation factors,income factors and risk factors are the main factors that affect the comprehensive competitiveness of P2 P online loan platform;listed P2 P peer-to-peer lending platform comprehensive competitive advantage ranking relatively obvious,followed by state-owned assets,Department and banks rank relatively backward;from the comprehensive competitiveness point of view,all of our platform overall competitiveness of the general level of unsatisfactory.Based on the empirical test results of the project,the author puts forward suggestions for improving the comprehensive competitiveness of China's P2 P lending platform from three perspectives,namely,the government,platform and lending entities.The government should pay attention to the network lending platform's supervision,improve laws and regulations,acceleratethe construction of credit system;platform should strengthen risk prevention,take the use of advanced Internet information technology to increase revenue;people who participate in P2 P lending should strengthen the risk consciousness,grasp the ability of screening of high-quality platform.The results of this research not only provide a scientific basis for investors' investment decisions,but also provide direction for the supervision of P2 P lending industry,and contribute to the comprehensive competitiveness of P2 P lending platform in China.