Competitiveness Evaluation Of P2P Network Lending Platform

P2P network lending platform is developing rapidly,experiencing a rapid growth stage.On the other hand,behind the growth,credit risk is constantly exposed.High quality platform can play the role of intermediary,the capital demand and investment demand of both lending can be met,is conducive to the healthy development of P2 P network lending platform;and the problems will disrupt the industry order,hinder the P2 P network industry progress,can find the competitiveness index of P2 P network lending the evaluation platform for both lenders and borrowers,has very important reference significance.This paper first introduces the concept of P2 P network lending,and highlights the important role that the P2 P platform plays in the process of borrowing and lending.Because the P2 P network lending platform different operation modes have different competitive advantages,so the next through the operation mode of pure online mode,debt transfer mode and O2 O mode,guarantee four mainstream model of competitive advantage analysis,provide a reference for the construction of competitiveness evaluation system.Then,combined with the characteristics and cases of four operation modes,the paper analyzes three risks of P2 P network lending,and provides a reference for building risk prevention and control index of competitiveness evaluation system.Because the competition is much higher than that of normal platform platform,so the first step is to evaluate the competitiveness of selected platform platform and problems through the feature index,through the analysis of the third party escrow funds necessary for the theory of third party trust funds as the characteristic index,through the analysis of the theory of asymmetric information to find information disclosure as the characteristic index,then the rate of return and transfer of liquidity into debt indicators.Then through the establishment of an empirical model,the above four indicators have been proved to be related to the quality of the P2 P net loan platform,which is related to the competitiveness.On the basis of the characteristics of the normal platform,a more detailed evaluation system should be established to evaluate the competitiveness of the normal platform.This paper selects eight indicators from four aspects: financial performance,products and services,platform operation and future development.That is,leverage,turnover,popularity,technology,liquidity,decentralization,compliance,transparency and brand as indicators of competitiveness evaluation.Then we use the set formula to calculate the results obtained by scoring,and get the integral of each index.Finally,we add nine integral points according to the set weight to get the competitiveness index.Finally,through the conclusions of empirical analysis,suggestions are put forward to enhance the competitiveness of P2 P lending platform,standardize the operation of platform,improve investor's investment ability and supervision of relevant departments.