【摘要】 依托于互联网金融的P2P网贷是推进金融创新、实现普惠金融的有效途径之一,因其便捷性、低门槛而成为时下最受欢迎的小额融资方式,但其信用风险防控面临着巨大挑战。首先提出了基于五标度法计算指标权重的层次分析法,结合模糊数学的综合评价方法,建立了P2P网贷平台借款人信用风险模糊综合评价模型。然后,依据某P2P平台的交易数据,该模型评价结果的准确性达到了83%,为P2P网贷平台精准定位借款人提供一个有价值的决策支撑参考。更多还原

【Abstract】 Peer-to-Peerlending relying on Internet financial is one of the effective ways to promotefinancial innovation and achieve financial inclusion, because of its convenience, low threshold and become the most popular micro financing recently, but the control of the credit risk is facing great challenges. In this paper, based on the five-scale method, the analytic hierarchy process(AHP) is used to calculate the index weight, and the fuzzy comprehensive evaluation model is established based on the fuzzy mathematics theory of two level, which is used in the Peer-to-Peerlending platform borrower’s credit risk. According to the real transaction data of a Peer-to-Peerplatform, the accuracy of the model evaluation results reached 83%, providing a valuable decision support for the precise positioning of Peer-to-Peerlending platform for high-quality borrowers.更多还原