本文選題：網(wǎng)絡(luò)借貸　切入點(diǎn)：平臺(tái)評級(jí)　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2017年碩士論文

【摘要】：自2012年以來,大量互聯(lián)網(wǎng)技術(shù)在金融行業(yè)的應(yīng)用促進(jìn)了互聯(lián)網(wǎng)金融行業(yè)的蓬勃發(fā)展,獲得了社會(huì)及學(xué)術(shù)界的廣泛關(guān)注及研究。網(wǎng)絡(luò)借貸是互聯(lián)網(wǎng)金融非常重要的一部分,近年平臺(tái)數(shù)量和規(guī)模都取得了突破性的發(fā)展,然而網(wǎng)貸平臺(tái)不合規(guī)運(yùn)營方式不斷涌現(xiàn),不僅危害用戶資金安全也擾亂了互聯(lián)網(wǎng)金融行業(yè)的秩序。在相關(guān)部門大力推進(jìn)網(wǎng)貸行業(yè)規(guī)范化的機(jī)遇下本文對網(wǎng)貸平臺(tái)綜合評級(jí)展開研究,以期為用戶提供更多的選擇參考信息,為評級(jí)機(jī)構(gòu)提供更多的思路及方向,為網(wǎng)貸市場規(guī)范化貢獻(xiàn)力量。本文首先區(qū)分了傳統(tǒng)信用評級(jí)與網(wǎng)貸平臺(tái)的綜合評級(jí),確定了網(wǎng)貸平臺(tái)綜合評級(jí)是對平臺(tái)綜合經(jīng)營狀況的評價(jià)。然后從主觀及客觀兩個(gè)角度分別展開評級(jí)研究,豐富了平臺(tái)評級(jí)的內(nèi)容。針對客觀評級(jí),在對比分析以往研究的基礎(chǔ)上結(jié)合相關(guān)法規(guī)政策選取了4個(gè)一級(jí)指標(biāo)及26個(gè)二級(jí)評級(jí)指標(biāo),結(jié)合層次分析法與熵值法完成指標(biāo)權(quán)重設(shè)置。最后以40家網(wǎng)貸平臺(tái)的數(shù)據(jù)為樣本計(jì)算評級(jí)指數(shù),結(jié)合現(xiàn)有的評級(jí)結(jié)果,驗(yàn)證了本文客觀評級(jí)具有一定的現(xiàn)實(shí)意義。針對主觀評級(jí),創(chuàng)新性的將文本挖掘技術(shù)應(yīng)用到網(wǎng)貸平臺(tái)評級(jí)中,從活躍的平臺(tái)評價(jià)網(wǎng)站文本數(shù)據(jù)入手,采用文本分析的方法提取出4個(gè)主觀評級(jí)特征指標(biāo),按照文本數(shù)量設(shè)置權(quán)重,完成主觀評級(jí)模型構(gòu)建。最后,采用分位數(shù)的思想將主客觀評級(jí)結(jié)果歸為1-5個(gè)星級(jí),通過相關(guān)的統(tǒng)計(jì)檢驗(yàn)及平臺(tái)星級(jí)結(jié)果的對比分析,進(jìn)一步驗(yàn)證了主觀評級(jí)對客觀評級(jí)的補(bǔ)充作用,為投資人及借款人提供了更多的參考信息,建立了較為完整的網(wǎng)貸平臺(tái)評級(jí)體系。
[Abstract]:Since 2012, the application of a large number of Internet technologies in the financial industry has promoted the vigorous development of the Internet financial industry, and has received extensive attention and research from both the society and the academic community. Network lending is a very important part of Internet finance. In recent years, the number and scale of platforms have made a breakthrough development. It not only endangers the security of users' funds, but also disturbs the order of Internet finance industry. In order to provide more reference information for users, provide more ideas and directions for rating agencies, and contribute to the standardization of the credit market, this paper first distinguishes the traditional credit rating from the comprehensive rating of the online loan platform. It is determined that the comprehensive rating of the network loan platform is the evaluation of the platform's comprehensive operating condition. Then the research on the rating is carried out from the subjective and objective angles, which enriches the content of the platform's rating. On the basis of comparing and analyzing the previous studies, we select 4 first-grade indexes and 26 second-grade rating indexes combined with the relevant laws and regulations. Finally, taking the data of 40 network loan platforms as the sample to calculate the rating index, combined with the existing rating results, the paper combines the analytic hierarchy process (AHP) with the entropy method to complete the index setting. The objective rating of this paper has certain practical significance. Aiming at subjective rating, the text mining technology is innovatively applied to the evaluation of web loan platform, which starts with the active platform to evaluate the text data of the website. Four subjective rating characteristic indexes were extracted by text analysis, and the subjective rating model was constructed according to the weight of text quantity. Finally, the subjective and objective rating results were classified into 1-5 stars by quantile method. Through the relevant statistical tests and the comparative analysis of platform star results, it further verifies the supplementary role of subjective ratings to objective ratings, and provides more reference information for investors and borrowers. Established a relatively complete network loan platform rating system.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4;F724.6

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