改进的P2P信贷借款人信用风险的研究

Improved research on P2P credit customer credit evaluation model

在充分分析P2P信贷客户的特点的基础上,提出了一种改进的基于BP神经网络的P2P客户信用评价模型,构建了一套P2P借款人信用评价体系。在评价模型中,针对互联网金融与传统金融信用评价的不同,加入了网络信息领域特有的风险因素,对评价数据指标进行相应的添加和删除。实验结果表明该模型能够准确地评估借款人的信用等级。

Based on analysis of factors affecting P2 P consumer credit,an index system suitable for P2 P credit consumer credit assessment was constructed. In the evaluation model,according to the different of Internet banking and traditional financial credit evaluation,the risk factors of network information are added,and the evaluation data are added and deleted. The experimental results show that the model can accurately evaluate the credit rating of the borrower.