基于层次分析法的我国P2P平台风险评价研究

Research on Risk Assessment of P2P Platform in China Based on AHP

P2P网络借贷的发展对于互联网金融行业的影响巨大,其在我国迅速发展的过程中始终面临着一系列风险问题。本文根据我国P2P平台的发展现状以及平台面临的主要风险,基于层次分析法构建了P2P平台风险评价指标体系,在此基础上对511家P2P平台进行风险评估,并以15家P2P平台为例进行分析。研究结果表明,本文构建的P2P平台风险评价体系效果较好,可以为投资者和监管部门提供决策参考。

The development of P2P network lending has a deep influence on the Internet financial industry.It has always been faced with a series of risk problems in the process of its rapid development.In light of the development status and major risks of China's P2P platform,this paper establishes a risk evaluation index system of P2P platform based on AHP,on which basis,this paper makes risk assessment on511P2P platforms,and takes15members from them as examples for analysis.The research indicates that the risk evaluation system of P2P platform constructed in this paper has a better effect,which can provide reference for investors and regulators.