P2P网贷平台竞争力评价体系研究——基于改进的CRITIC-GRAP模型

The Study of Competitiveness Evaluation System of P2P Lending Platforms——Based on the Improved CRITIC-CRAP Model

为了引导P2P网贷平台科学、合理地提高自身竞争力以应对日益激烈的竞争,本文设计了一套系统的P2P网贷平台竞争力评价方法;在评价过程中,首先,借鉴银行业竞争力评价的"三性"原则,构建了涵盖流动性、安全性和盈利性三个维度的P2P网贷平台竞争力评价指标体系;然后,运用改进的CRITIC-GRAP模型,从"静态"和"动态"两个视角对我国P2P网贷平台竞争力情况进行综合评价;结果表明,风投系和上市系平台整体竞争力较强,而国资系和创业系平台整体竞争力相对较弱;最后,结合实证结果,给出了提高P2P网贷平台竞争力的建议。

In order to guide the P2 P lending platforms to improve their competitiveness scientifically and rationally to cope with the increasingly fierce competition,a systematic method for evaluating the competitiveness of P2 P lending platforms is designed. First,based on the"three principles"in the evaluation of banking competitiveness,the paper constructs the systemiccompetitiveness evaluation index system,which covers three dimensions of liquidity,security and profitability. Then,based on the improved CRITIC-GRAP model,the paper makes a comprehensive evaluation on the competitiveness situation of P2 P lending platforms from static and dynamic perspective. The result shows that the venture capital system and the listed system platforms are relatively strong,while the state-owned and the entrepreneurial platforms are relatively weak. Finally,based on the empirical results,the paper gives some suggestions on improving the competitiveness of P2 P lending platforms.