【摘要】 采用浙江省2015-2016年P2P网贷的问题平台的数据,选取主要相关变量,采用决策树C5.0进行建模,对当前P2P网贷平台存在的风险进行研究。研究得出结论:平均年化收益是区分问题平台与正常平台的一个重要因素;优秀的平台都对收益率定得较低(15%以内),而问题平台一般平均年化收益较高。因此,政府在管理P2P行业时对平均年化收益率特别高的平台要加强监管。更多还原

【Abstract】 Based on the data of P2 P network in Zhejiang province from 2015 to 2016, the risk of P2 P network loan platform was studied. The main variables related to problems of P2 P platform were selected and collected, and the decision tree C5.0 was used to model. The main conclusion was that the average annualized income was a factor to distinguish between the problem platform and the normal platform, to further understand the reason of its "problem", and draw lessons from the successful experience and operation mode of the net loan platform and summarize it. Finally, it provided scientific reference for the government to promote the development of internet finance under the premise of controlling the risk of P2 P network loan platform.更多还原