Research On The Impact Of P2P Online Lending Platform Risk Factors On Credit Rating

This paper starts from the whole online loan industry,through the analysis of the current situation of P2 P online lending industry,summarizes the overall trend and status of P2 P online lending industry development,and provides a certain reference for investors whether to continue to use P2 P online lending platform as a financial choice.On the basis of the online loan rating data,the research explores the impact of various data indicators on the rating results,and then finds the data indicators that affect the risk of the P2 P platform.It is found that the impact of the interest rate index on the platform risk is inconsistent with the actual situation.Based on this,this paper mainly does the following two researches:(1)Innovatively using the analytic hierarchy process to construct a comprehensive scoring model.Based on the results of comprehensive rating data analysis and AHP,it is found that the operating index,interest rate index,liquidity index,letter-to-wear index,compliance index,capital inflow rate and maturity index are the main factors affecting the rating results,the repayment index and The geographical index has little influence on the rating results;the degree of influence of different factors on the platform risk can be sorted as follows: Operation Index> Term Index> Liquidity Index> Letter Size> Compliance Score> Interest Rate Index> Capital Inflow Rate> Regional Index > Repayment index.(2)Combining the analytic hierarchy process to calculate the recent scores of problems occurring in each problem platform,and formulating the platform rating criteria,Divide the different platforms into five levels: A,B,C,D,and E,and judge the pros and cons of the platform more intuitively.By comparing the results of a platform rating and the actual situation of the platform,the validity and reliability of the platform risk analysis factors and the rationality of the platform leveling criteria are verified to some extent by using the analytic hierarchy process.Finally,combined with the analysis results,the corresponding countermeasures and suggestions are given from different levels,aiming to provide some help to the investors to identify the platform risks,and provide some reference for the platform to strengthen its own construction.