P2P网贷平台的风险性评价研究

Study on Risk Evaluation P2P of Online Loan Platform

近年来,互联网金融风险成为国家重点关注的问题之一,为研究P2P平台资金托管的可靠程度,利用数据爬虫技术从互联网上获取了5895个P2P平台信息,结合P2P风险性评价相关法律以及网贷平台本质特征,从基本信息、信用信息、变更信息、备案信息、舆情信息及危险信息等6个维度确定了风险性评价指标体系。对获取的舆情数据进行情感分析,构建出舆情风险等级指标,结合其他17个评价指标,采取主成分分析的方法对部分相对影响较小的指标进行降维,然后利用层次分析法得出各评价指标权重系数,结果表明舆情风险等级以及是否在P2P黑名单中这两个指标对P2P平台的风险性判断最为重要。

Recently,the Internet financial risk has become one of the national priorities.Information data from 5895 P2p latforms is obtained by using crawler technology to study the reliability of fund trusteeship of P2P platforms.Combining relevant laws of P2P risk assessment and essential characteristics of online loan platform,the risk assessment index system has been determined from six dimensions:basic information,credit information,modify information,archival information,public opinion information and risk information.Then,emotion analysis is conducted on the obtained public opinion data in order to construct a public opinion risk rating index.Furthermore,combining with the other 17 evaluation indexes,Principal Component Analysis is adopted to reduce the dimensions of some indicators with relatively low impact,and then the weight coefficient of each evaluation index is obtained by the Analytic Hierarchy Process.The results indicate that public opinion risk level and whether it is in P2P blacklist are the two most important indicators to judge the risk of P2P platforms.