Research On Credit Rating Of P2P Network Lending Platform In China

P2P network lending is a kind of private lending method that depends on the Internet.It is a lending model for matching funds between individuals and individuals.It integrates Internet big data technology into financial transaction activities,making lending activities more in the environment created by them.Flexible,fast and convenient,it attracts a considerable number of private borrowers.The P2 P network lending platform makes the trading activities of traditional financial institutions more convenient and flexible.The emerg1 ence of P2 P network lending makes it easier and faster for SMEs to raise funds.At the same time,it can reduce the occurrence of illegal fund-raising on the other hand and ensure that private lending is safer and more transparent.It is of great significance for revitalizing the financial market financial flows and promoting China's economic prosperity and development.In recent years,some online lending platforms have gone bankrupt due to their own risk control ability,and some online lending platforms have used false information to “run the road”.It is necessary to strengthen supervision measures,but it has been supervised.Strictly inhibiting the innovation level of the P2 P online loan market is not conducive to solving the problem of financing difficulties for SMEs in China.The over-regulation will make these problems more frequent,so the research on credit rating becomes more and more important.The research credit rating can conduct a unified screening of the P2 P network lending platform from the perspective of a third party,which can guide the further development of the platform and guide the safe exit of the problematic platform.This paper is mainly for a specific financial intermediary platform.In addition to some financial indicators,this paper has added platform development potential,compliance,platform operation status and management status for platform credit evaluation.The credit rating system designed in this paper increases the relevant management personnel and staff quality indicators,platform management and industry evaluation indicators in the management status compared with the guidance credit rating documents issued by the Chinese Academy of Social Sciences.On the other hand,it has reduced indicators of credit enhancement,such as risk reserve.Finally,this paper starts from the three first-level indicators,namely,the operation status,development status and management status,and builds six secondary indicators,including fund management capability,platform operation status,compliance,platform development potential,platform management capability,and platform brand.management.Finally,this paper constructs seventeen quantified qualitative and quantitative indicators to rank the platform,and compares the seventeen indicators according to the unified scale.Finally,through the analytic hierarchy process,the evaluation of the index credit risk scores Determine the weight,on the other hand,the initial comparative evaluation of the unified scale,making the results comparable and reasonable.The verification of the online lending credit rating system designed above is carried out by selecting the relevant data of the official website and the industry of the Lujin service and the group loan network platform.It is tested whether the credit rating indicator system reflects the risk problem it faces on a specific issue,and then conducts a comparative analysis of the comprehensive credit rating of Lujinfu and the group loan network.Finally,the credit rating designed in this paper can play a role in investors,regulators and various high-quality platforms,optimize the development of the online loan industry,and achieve the goal of promoting the healthy and stable development of the financial market,and further improve the construction of the credit rating system.The role of the online lending platform and the government to determine the development direction and development goals of online lending credit ratings,and further promote the good development of the P2 P network lending industry.