基于AHP的涉农P2P网贷平台风险管理综合评价体系研究

Research on the Comprehensive Risk Management Evaluation System of Agricultural P2P Network Loan Platform Based on AHP

从涉农P2P网贷平台风险管理问题角度出发,在对已有研究进行分析的基础上,将涉农P2P网贷平台风险管理影响因素划分为外部性和内部性影响,具体包括法律风险、市场风险、信用风险、平台风险、操作风险、运营流动性风险六大类,并对此进行详细说明,然后采用AHP(层次分析法)对涉农P2P网贷平台风险管理进行综合评价,通过匿名式专家调查法来统计各指标权重,从而探讨影响涉农P2P网贷平台风险管理的重要因素的相对重要性,得出信用风险(0.4245)>运营流动性风险(0.2582)>平台风险(0.1502)>操作风险(0.0863)>市场风险(0.0502)>法律风险(0.0306),对涉农平台有效地采取风险防范措施具有一定的参考价值。

From the perspective of agricultural P2P network loan platform risk management,and based on the analysis of existing research,the influencing factors of risk management of agricultural P2P network loan platform are divided into externality and internality in this paper,and it specifically includes six categories:legal risk,market risk,credit risk,platform risk,operational risk and operational liquidity risk.Then AHP is used to evaluate the risk management of agricultural P2P network loan platform,and anonymous expert survey method is used to calculate the weight of each index,so as to explore the relative importance of the important factors affecting the risk management of agricultural P2P network loan platform.It is concluded that credit risk(0.4245)>operational liquidity risk(0.2582)>platform risk(0.1502)>operational risk(0.0863)>market risk(0.0502)>legal risk(0.0306),which has certain reference value for agricultural platforms to effectively take risk prevention measures.