P2P网贷的行业现状分析及风险评估体系构建

The Current Situation of P2P Network Lending and the Construction of Risk Evaluative System

近年Peer-to-Peer网络借贷(简称P2P网贷)平台"跑路"、诈骗等丑闻频发,影响投资者的信心。首先对我国P2P网络借贷平台的特征进行分析,研究我国网贷平台的发展规模和行业问题。随后,利用爬虫技术收集整合出731家P2P网贷平台的指标数据,最后对原始指标进行Logistic回归分析,建立了由八个信用指标组成的P2P网络借贷平台风险预警指标体系,为P2P平台投资风险分析提供参考。

Peer-to-Peer network lending（P2P net loan） platforms are often exposed as scandals such as making off with money and fraud recently, which affects the confidence of investors. This essay firstly analyses the feature of P2P network lending platform and studies the scale and problems of P2P network lending platforms in our country afterwards. Then based on the network lending platforms’ data which collected by web crawlers technology, we integrate 731 index data of the P2P network lending platforms. At last, we make the logistic regression analysis, and build P2P network lending platforms risk-alert index system consisting of eight credit indexes, which can provide reference for the investment risk＇s analysis of P2P network lending.