基于层次分析法的P2P网贷平台风险因素分析

Analysis of risk factors of P2P lending platforms based on analytic hierarchy process

随着经济发展,"互联网+"时代的到来,为国内P2P网贷平台发展提供了空间。我国P2P网贷平台从无到有,后发展不断扩大,产品不断创新,其中的风险也不断累积。通过层次分析法对P2P网贷平台的风险因素进行实证分析,并基于实证结果,并提出有效防范P2P风险的建议:完善法律法规,加强政府监管,加快个人征信系统建设,完善公司治理结构,提高风险防范意识,提高网络技术水平,以期能够为规避P2P网贷平台风险提供理论支持。

With the economic development,the financing needs of a large number of small,medium and micro-sized enterprises cannot be satisfied from indirect financing channels such as Banks.The arrival of the"Internet+"era has provided space for the development of domestic P2 P online lending platforms.China’s P2 P finance has grown from scratch,and its development has been expanding,products have been innovating,and risks have been accumulating.