基于AHP方法的P2P信用评级模型研究

Research on P2P Network Lending Platform by Method of AHP

在对我国P2P网络借贷平台运作情况的研究中发现,其存在着很高的信用风险,除了经济主体追求经济利益的内在因素外,主要是缺少第三方信用评级监督机制,在综合国内专家研究成果、国内外P2P网络借贷平台信用风险防范实践的基础上,运用AHP层次分析法、专家评分法、模糊评价隶属度原理,建立了基于AHP的P2P网络借贷信用评级模型,试图降低信用风险,推动P2P网络借贷服务健康发展。

There is a high credit risk in China＇s P2P network lending platform. In addition to the internal factors like the economic entity＇s pursuit of economic interests, the main risk exists in the lack of third-party credit rating supervision mechanism. Based on the research results from domestic experts,credit risk prevention practice of P2P network borrowing platform at home and abroad, using AHP and expert evaluation and fuzzy evaluation, the credit rating model of P2P network based on AHP is put forward in this paper to reduce the credit risk and promote the credit risk management of P2P network.