P2P网贷平台风险评价指标研究——基于层次分析法  

Research on Risk Evaluation Index of P2P Network Lending Platform:Based on Analytic Hierarchy Process

作　　者：张巧良[1] 张黎[1] 

机构地区：[1]兰州理工大学经济管理学院,甘肃兰州730050

出　　处：《南京审计学院学报》2015年第6期85-94,共10页journal of nanjing audit university

基　　金：兰州理工大学学生科技创新基金项目(2014)

摘　　要：在对P2P网贷平台风险形成机理分析的基础上,以我国63家网贷平台与32名投资者为研究样本,采用层次分析法构建P2P网贷平台风险评价指标体系,并对P2P网贷平台面临的各风险因素进行评价,研究结果显示:P2P网贷平台风险发生的可能性排序依次为信用风险、技术风险、内部管理风险、市场风险、与机构合作风险、无序竞争风险、声誉风险和法律风险。On the basis of analyzing the risk formation mechanism of the P2 P network lending platform,with 63P2 P network lending platforms and 32 investors as samples,this paper uses the AHP to build the risk evaluation index system of P2 P network lending platform and evaluate the various risk factors confronted by the platform. The research indicates that the possibility of P2 P network lending platform risk occurrence is credit risk,technology risk,internal management risk,market risk,institutional cooperation risk,disorderly competition risk,reputation risk and legal risk in sequence.

关 键 词：P2P网贷平台 风险因素 评价指标体系 风险防范 网络金融 网络借贷 微金融信贷模式 互联网 

分 类 号：F830[经济管理—金融学]