摘要
伴随我国P2P网络借贷行业的发展,平台风险日益突出。文章从P2P网络借贷参与主体的角度思考,构建平台风险评价指标。利用层次分析法确定各层次指标权重,再结合灰色关联度分析法,对随机选取的32家P2P网络借贷平台进行风险测度和评价。结果显示:所选取的大部分P2P平台较理想化平台有一定差距,且风险较高的P2P平台一般有违规行为存在。最后,给出了防范P2P平台风险的对策。
With the development of P2P network lending industry in China,the platform risk is becoming more and more prominent.From the point of view of the main participants of P2P network lending,this paper constructs the platform risk evaluation index.The weight of each level index is given by analytic hierarchy process(AHP).Combined with grey correlation degree analysis,this paper measures and evaluates the risk of 32 P2P network lending platforms selected randomly.The results show that most of the P2P platforms selected are different from the idealized platform,and the P2P platforms with high risk generally have violations.Finally,the paper gives some countermeasures to prevent P2P platform risk.
作者
周敏
ZHOU Min(Anhui Sanlian College,Hefei Anhui 230601,China)
出处
《鞍山师范学院学报》
2020年第3期31-34,共4页
Journal of Anshan Normal University
基金
安徽省教育厅高校人文社会科学研究重点项目(SK2019A0757)。
关键词
P2P
平台风险
层次分析法
灰色关联度分析
P2P
Platform risk
Analytic hierarchy process
Grey correlation degree analysis
作者简介
周敏(1979-),男,安徽庐江人,安徽三联学院副教授,硕士,主要从事互联网金融研究。
