基于优势关系粗糙集的网贷平台评价方法研究  

作　　者：邓维斌[1] 邓林森 

机构地区：[1]重庆邮电大学经济管理学院

出　　处：《企业经济》2018年第10期182-188,共7页Enterprise Economy

基　　金：国家自然科学基金项目"大数据中的多粒度知识发现模型与方法研究"(项目编号:61309014);教育部人文社科规划基金项目"大数据时代海量电信客户价值评价方法研究"(项目编号:15XJA630003)

摘　　要：随着P2P网贷市场的快速发展,网贷平台跑路等风险问题日益突出。由于目前没有有效的网贷平台评价方法 ,投资者难以在众多的平台中进行有效选择。针对此问题,在重点考虑投资者关注的网贷平台经营指标前提下,通过构建网贷平台竞争力评价指标体系,运用优势关系粗糙集理论,提出了P2P网贷平台竞争力评价方法。该方法可得到决策规则集,投资者依据决策规则筛选有吸引力的网贷平台,有助于降低投资风险;网贷平台也可据此提升竞争力,吸引投资者。仿真实验表明:平台平均借款期限越短和收取的中间费用种类越少,平台对投资者吸引力就越强,平台竞争力也越大;较高的分类正确率证明评价方法的有效性和可行性。With the rapid development of the P2P loan market,the risk problems such as the runway of the P2P loan platform have become increasingly serious.Because there is no effective evaluation method of the network loan platform,it is difficult for investors to make effective choices in many platforms.In order to solve this problem,on the premise of considering the management index of network loan platform which is concerned by investors,this paper proposes an evaluation method of P2P loan platforms’competitiveness by constructing the evaluation index system of network loan platform’s competitiveness and applying the advantage relation rough set theory.The method can help to obtain the decision rule set and investors can select an attractive network loan platform according to the decision rule to reduce the investment risk;the network loan platform can also improve the competitiveness and attract investors.The simulation experiments show that the shorter maturity of the platform and the less the intermediate cost,the stronger the attraction of the platform to the investors and the greater competitiveness of the platform;the relatively high classification accuracy also shows that the evaluation method of this paper is very feasible.

关 键 词：P2P网贷平台 投资者 优势关系粗糙集 竞争力评价 平台选择 

分 类 号：TP399[自动化与计算机技术—计算机应用技术]