基于去参数聚类方法的P2P网贷平台分析

Analysis of P2P Network Loan Platform Based on Less Parameter Clustering Method

近年来,P2P网络贷款业务发展迅猛,因而需要更为高效准确的风险分析和金融监管。基于上述问题,结合聚类算法与因子分析的优点,提出了一种用于P2P网贷平台风险等级划分的评估方法。该方法能够针对公共网站获取网贷公司相关数据,将网络平台按照其潜在风险进行准确的划分。实验结果表明,该方法具有很强的准确性和可解释性,所得到的结论符合网贷数据所对应公司产品的实际情况,能够评估和预测网贷平台的风险,并提供决策支持。

In recent years,the rapid development of Peer-to-Peer lending platform business requires more efficient and accurate risk analysis and financial supervision.Based on this problem,combined with the advantages of clustering algorithm and factor analysis,an evaluation method for risk classification of Peer-to-Peer lending platform was proposed.This method can accurately divide the network platform according to the relevant data of online loan companies obtained from public websites.Experimental results show that the method is highly accurate and interpretable.The conclusions obtained are consistent with the actual situation of the company’s products corresponding to the online loan data,and it can evaluate and predict the risks of the lending platform and provide decision support.