基于投资者结构的P2P网贷项目评估模型研究

Research on evaluation model of P2P loan project based on investor structure

从投资者行为角度出发,以社会学橄榄型社会理论为理论框架架构了针对中国市场的P2P网贷项目投资者结构评估模型。模型通过求解衡量目标项目投资者结构指标与标准指标之间的离散程度进而判断其投资者结构的优劣。实证研究表明模型可有效评估P2P网贷项目的投资价值,为投资者决策提供参考。

From the perspective of investor behavior,the investor structure evaluation model for P2P online loan project for the Chinese market is constructed with the sociological olive-type social theory as the theoretical framework.The model determines the advantages and disadvantages of the investor structure by solving the degree of dispersion between the index and the standard index of the target project.The empirical evidence shows that the model can effectively evaluate the investment value of P2P net loan project and provide reference for investors'decision-making.