摘要
随着"互联网+农业"的逐步深入,涉农P2P网贷将成为缓解农民借款难的有效途径,建立涉农P2P网贷项目优选模型对保障资金借出者的资金安全和收益具有很好的现实意义.根据ECIRM模型从5个维度建立衡量信用风险及还款能力的涉农P2P网贷项目评价指标体系,在资金借出者根据自己的要求对借款项目初步筛选的基础上,建立网贷项目优选模型,利用熵权灰色关联TOPSIS法对网贷项目进行优选排序,为出资者决策提供参考依据.
With the gradual deepening of the ＂Internet plus agriculture＂, Agricultural Online P2P Lending will become an efficient way to solve the problem of farmers＇ getting loans. It has a crucially practical significance in protecting lenders＇ financial security and revenues if a loan project optimization model of agricultural online P2P lending can be established. According to the ECIRM model, this paper builds an agricultural online P2P lending project evaluation index system from five dimensions to measure credit risk and repayment ability. Based on the lenders＇ preliminary screening of the loan projects according to their own demands, this paper establishes the loan project optimization model, and then ranks the different loan projects by using entropy weight-grey correlation and TOPSIS, providing reference for the lenders to make decision.
出处
《数学的实践与认识》
北大核心
2017年第3期37-45,共9页
Mathematics in Practice and Theory
基金
河北省社科基金:大数据背景下河北省涉农电子商务P2P网络信贷平台创新模式研究(HB15GL112)
河北省科技计划项目:京津冀区域涉农电子商务发展现状及推广渠道研究(16450303D)
关键词
涉农P2P
网贷
优选
熵权灰色关联TOPSIS法
agricultural P2P
online lending
optimization
entropy weight-grey correlation and TOPSIS
