我国P2P网贷平台信用评级研究  

Study on Credit Rating of P2P Online Lending Platform in China

作　　者：沈霞[1] 

机构地区：[1]中国人民银行乌鲁木齐中心支行,新疆乌鲁木齐830002

出　　处：《征信》2017年第3期51-56,共6页Credit Reference

摘　　要：目前,我国P2P网贷行业处于起步阶段,对于平台定量和定性指标的综合评价显得尤为重要。通过采用因子分析法和定性专家打分方法,构建定量指标与定性指标相结合的信用风险评级指标体系,并对我国60家P2P平台进行信用评级。研究表明:构建的P2P网贷平台信用风险评级体系具有一定的科学性与合理性,能够对网贷平台信用风险进行有效评价,可以为投资者提供参考、为监管提供依据。At present,China’s P2 P online lending industry is still in its infancy,and the comprehensive evaluation of quantitative and qualitative platform indicators is of great importance. By using factor analysis method and qualitative expert scoring method,a credit risk rating indicator system combining quantitative indicators with qualitative indicators is constructed,and credit rating of sixty P2 P lending platforms in China is carried out. The analysis shows that the credit risk rating system of P2 P online lending platform is scientific and reasonable,can effectively evaluate the credit risk of online lending platform,and can provide reference for investors and evidence for regulators.

关 键 词：P2P网贷平台 因子分析 定量 定性 信用评级 

分 类 号：F832.4[经济管理—金融学] F724.6