P2P网络借贷平台信用评价指标体系研究

发布时间：2018-03-06 14:49

本文选题：P2P网络借贷　切入点：信用评价指标体系　出处：《西安理工大学》2017年硕士论文　论文类型：学位论文

【摘要】：当今在互联网技术高速发展的时代,互联网金融作为传统金融与互联网技术融合后的产物,不仅仅创新了金融体系,还弥补了传统金融的不足,把中小民营企业的资金需求和民间资本的投资需求很好的结合了起来。随着互联网金融的迅速发展,作为互联网金融的一种业务模式,P2P网络借贷也得到了快速的发展,P2P网络借贷平台的数量也从2012年的200家增长到2016年的2448家。然而由于P2P网络借贷行业的进入门槛低,平台的各种问题事件频发,给众多投资者造成了无法挽回的经济损失。致使P2P网络借贷整个行业的信用状况面临着非常严峻的挑战,很多投资者对P2P网络借贷平台已经缺乏信任,这已经严重影响了 P2P网络借贷行业的发展。因此,对于P2P网络借贷平台信用评价的研究迫在眉睫。首先,本文对国外和国内关于P2P网络借贷平台和信用评价的文献进行了研究梳理,并对国内P2P网络借贷平台现状进行了分析。接着在对P2P第三方评级机构和已有研究文献的信用评价指标的整理筛选基础上结合相关性分析和主成分分析进行指标的客观筛选得到本文的P2P网络借贷平台信用评价指标体系。然后利用层次分析法进行主观确定信用评价指标的权重,利用熵值法、变异系数法和均方差来进行客观确定信用评价指标的权重。接着再利用Theil不等系数组合赋权法把主观确定的评价指标权重和客观确定的评价指标权重科学的结合起来形成新的组合权重,这综合考虑了相关专家的主观知识和经验,同时也考虑了数据反映出的P2P网络借贷平台的真实信息。然后通过组合权重与指标的标准化值进行相乘求和得到了本文的P2P网络借贷平台信用评价结果。最后利用Spearman相关分析来验证了本文信用评价指标体系的实用性。
[Abstract]:In the era of rapid development of Internet technology, Internet finance, as a result of the fusion of traditional finance and Internet technology, not only innovates the financial system, but also makes up for the shortcomings of traditional finance. The capital needs of small and medium-sized private enterprises are well combined with the investment needs of private capital. With the rapid development of Internet finance, As a business model of Internet finance, P2P network lending has also gained rapid development. The number of P2P network lending platforms has also increased from 200 in 2012 to 2, 448 in 2016. However, because of the low barriers to entry in the P2P network lending industry, The frequent occurrence of various problems in the platform has caused irreparable economic losses to many investors. As a result, the credit situation of the entire industry of P2P network lending is facing a very serious challenge. Many investors have lack of trust in P2P network lending platform, which has seriously affected the development of P2P network lending industry. Therefore, the research on P2P network lending platform credit evaluation is urgent. First of all, In this paper, the foreign and domestic literatures on P2P network lending platform and credit evaluation are studied and combed. The paper also analyzes the current situation of domestic P2P network lending platform, and then combines the correlation analysis and principal component analysis on the basis of sorting out and screening the credit evaluation indexes of P2P third-party rating agencies and existing research literature. Then the weight of credit evaluation index is determined by AHP. Using the entropy method, Variation coefficient method and mean variance method are used to objectively determine the weight of credit evaluation index, and then the combination of subjective index weight and objectively determined index weight is combined with Theil unequal coefficient combination weighting method. To form a new combination of weights, This takes into account the subjective knowledge and experience of relevant experts, At the same time, the real information of P2P network lending platform reflected by the data is considered. Then, the credit evaluation results of P2P network loan platform are obtained by multiplying the combined weights with the standardized value of the index. Spearman correlation analysis is used to verify the practicability of the credit evaluation index system in this paper.
【学位授予单位】：西安理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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