【摘要】：依托于互聯(lián)網(wǎng)金融的P2P網(wǎng)貸是推進金融創(chuàng)新、實現(xiàn)普惠金融的有效途徑之一,因其便捷性、低門檻而成為時下最受歡迎的小額融資方式,但其信用風險防控面臨著巨大挑戰(zhàn)。首先提出了基于五標度法計算指標權(quán)重的層次分析法,結(jié)合模糊數(shù)學的綜合評價方法,建立了P2P網(wǎng)貸平臺借款人信用風險模糊綜合評價模型。然后,依據(jù)某P2P平臺的交易數(shù)據(jù),該模型評價結(jié)果的準確性達到了83%,為P2P網(wǎng)貸平臺精準定位借款人提供一個有價值的決策支撐參考。
[Abstract]:P2P network loan based on Internet finance is one of the effective ways to promote financial innovation and realize inclusive finance. Because of its convenience and low threshold, P2P network loan has become the most popular microfinance method nowadays, but its credit risk prevention and control is facing great challenge. This paper first puts forward the analytic hierarchy process (AHP) based on the five-scale method to calculate the index weight, and establishes the fuzzy comprehensive evaluation model of the credit risk of the borrowers on the P2P network lending platform combined with the comprehensive evaluation method of fuzzy mathematics. Then, according to the transaction data of a P2P platform, the accuracy of the model is 833, which provides a valuable decision support reference for the P2P network loan platform to accurately locate the borrower.
【作者單位】： 西南財經(jīng)大學統(tǒng)計學院;西南財經(jīng)大學西部商學院;
【分類號】：F724.6;F832.4

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