Research On The Risk Assessment Of P2P Lending In Big Data

Our country is in the Internet period of rapid development of science and technology,with the advent of the era of big data,as the most popular one of the most active fields of the Internet financial,fast development of P2P lending in China.However,due to the lack of an effective risk assessment system for P2P lending,the two years of frequent platform failures,the boss "running road" and the financial chain fracture have occurred,and the risk frequency of P2P lending platforms is frequent.The P2P lending platform facing the management risk,legal risk,credit risk,technology risk,competition risk,reputation risk,market risk,and institutional cooperation as well as the internal management risk,and many other risks,the establishment of a variety of risk assessment system,but also there is no a set of "take advantage of the large data set up effective risk rating system,data collection and analysis system.Therefore,it is imperative to establish a reasonable and effective evaluation index system for P2P online lending based on big data.Based on big data,this paper studies the risk assessment of P2P lending.In the course of this paper,the research background,significance and innovation of this paper are summarized and summarized through the combination of normative research and case analysis.Secondly,it has sorted out the big data background,P2P network lending and Internet financial risk and domestic and foreign related literatures,and made a good theoretical foundation for the following research.Thirdly,it analyzes the existing problems and causes of the risk evaluation of P2P online lending in China.Fourthly,set up the index of the risk rating system of P2P online lending platform based on big data,and use the analytic hierarchy process and the extreme difference to distribute the weights and scores.Finally,the risk rating of P2P online lending platform is applied to A platform for instance analysis,and the rating result is obtained.The main contributions of this paper are thoes:1.Found that the current P2P lending risk rating work shortcomings,the most prominent is the index properties not bright,no combined with big data tools of the Internet era,the classification of the rating is not careful,the relevant data forensics problems such as difficult and rating update not in time.2.A P2P loan risk evaluation index system based on large data background was established.Nine primary indicators and 38 secondary indicators are selected from the risk types of P2P network lending platform to form the framework of risk rating system;Based on the support of analytic hierarchy process,the qualitative index and quantitative index are combined effectively,and on the basis of this,the proper and reasonable weight distribution is carried out,and the original scoring standard is supplemented and perfected,and the characteristics of large data are fully reflected.3.Taking advantage of the established system,the A network loan platform carries on the risk evaluation.Based on A platform using existing network as the credit risk evaluation system and the risk rating system under the new background of building large data respectively on A platform of risk evaluation and comparison,validation of new building rating system is scientific and effective.