P2P网贷平台信用风险评估研究
Research on Credit Risk Assessment of P2P Lending Platform
DOI: 10.12677/MSE.2020.9321, PDF,  被引量    国家自然科学基金支持
作者: 袁 宇, 杨 月, 王宏起*：哈尔滨理工大学经济与管理学院，黑龙江 哈尔滨
关键词: P2P网贷平台；信用风险；评估；K-Means聚类；P2P Lending Platform； Credit Risk； Evaluation； K-Means Clustering
摘要: 针对P2P网贷平台信用风险这一问题，本文从网贷平台主体这一研究视角进行信用风险评估。首先采用网络爬虫技术获取80家健康平台的客观数据，其次构建信用风险预警指标体系，利用K-means聚类方法构建P2P网贷平台信用风险预警模型，并对该模型进行优化，最后通过分析这80家正在运行的健康平台进行风险评估，合理预测风险情况，为投资者和借贷者提供参考。
Abstract: Aiming at the problem of credit risk of P2P network lending platform, this paper evaluates the credit risk from the perspective of the main body of network lending platform. Firstly, the objective data of 80 healthy platforms are obtained by using web crawler technology. Secondly, the credit risk early-warning index system is constructed. Then, the credit risk early-warning model of P2P network lending platform is constructed by using k-means clustering method and the model is optimized. Finally, the risk assessment is carried out by analyzing the 80 healthy platforms in operation and the risk situation is reasonably predicted for the investors and borrowers to provide reference.
文章引用：袁宇, 杨月, 王宏起. P2P网贷平台信用风险评估研究[J]. 管理科学与工程, 2020, 9(3): 157-164. https://doi.org/10.12677/MSE.2020.9321

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