Research On Hybrid Multi-attribute Decision-making Of P2P Online Loan Investment Based On Preference Degree

The P2 P online lending platform has experienced a problem platform concentration outbreak period,and has now entered the compliance check and rectified the filing period,which has increased the confidence of investors in investing in wealth management on the online lending platform.In addition,more and more online loan platform advertisements are full of people's attention,attracting many investors to try.However,investors in the P2 P online lending platform are bound to face the choice of investment projects.Although most P2 P online lending platforms will review the borrowers first,and then the approved online lending projects will be released on the platform,but the borrower's breach of contract cannot be completely avoided.Therefore,how to guide investors to identify borrowers with high credit ratings,high-quality investment projects,and make investment decisions has extremely important research significance.Firstly,the domestic and international research status of P2 P online loan investment is reviewed,and the related theories of P2 P online loan investment and multi-attribute decision-making are introduced.Secondly,the hybrid multi-attribute decision making method based on preference is analyzed.Firstly,the preference degree is analyzed,and the calculation method of each attribute value preference degree and attribute weight is given.Then,the overall preference degree of each scheme is calculated by the aggregation algorithm of preference degree,and the final score of each scheme is obtained.The scheme with the highest score is optimal choice.Thirdly,a model of hybrid multi-attribute decision-making for P2 P online loan investment based on preference is established.Firstly,the basic information of P2 P online loan project is analyzed,and the P2 P online loan project index system is established.Then,six indicators with large impact factors are selected from the index system as the decision indicators in the P2 P online loan investment problem.Finally,based on the preference-based hybrid multi-attribute decision-making method,hybrid multi-attribute decision making model of P2 P online loan investment based on preference degree is established to solve the P2 P online loan investment decision problem.Finally,the Renren loan platform is selected as the background,and the hybrid multi-attribute decision making model of P2 P online loan investment based on preference degree is used to simulate the investment decision of platform investors in the online loan platform.The example analysis proves the applicability and effectiveness of the hybrid multi-attribute decision making model of P2 P online loan investment based on preference degree.It also gives countermeasures and suggestions on how to make investment decision-making improvements for investors in the Renren platform.