Research On Credit Risk Of Internet Finance P2P Lending Platform

In recent years,Internet financial management,a high-yield,easy-to-operate and flexible financial method,has gradually entered the public's attention.P2 p lending is a typical industry representative of the Internet financial industry.Its characteristics of high returns and high returns have greatly attracted consumers 'investment attention.However,since 2013,the number of fraud and running on the P2 P lending platform due to poor management,malicious fraud and other issues has continued to rise.The "Ponzi scheme" and the "E rental treasure" incident that occurred in 2015 have continued to rise.The amount of illegal fundraising reached 10 billion yuan and caused millions of investors to suffer huge losses,causing great negative social repercussions.The credit risk problem of Internet financial management platform has brought new impact points to the entire financial industry.Based on the current credit risk evaluation methods of small and medium-sized enterprises and banks and the characteristics of credit risk of China's P2 P network loan platform,this paper constructs a P2 P network loan platform credit risk evaluation model with the characteristics of China's P2 P network loan industry,combining qualitative and quantitative indicators.In order to quantify the credit risk of P2 P network loan platform.In order to determine the weight of the index,this paper uses the relative comparison method to design the importance of the two indicators into a questionnaire form,and distributes them to the respondents in related fields to compare and check the weight of the index.On this basis,a P2 P network loan platform credit risk evaluation model based on the value analysis method is constructed,and the final credit score of P2 P network loan platform is obtained through layer by layer calculation.Finally,using the credit evaluation model of the P2 P network loan platform.In order to find out the current credit risk problems of China's P2 P network lending platform,it can not only eliminate high-risk P2 P network lending platforms to purify industry risks,protect investors 'capital safety,but also serve as a guidance platform for platforms with good credit and good business conditions.Optimization of the indicators with lower scores is conducive to the healthy and stable development of the entire financial industry.