基于改良CRITIC法的P2P平台信用风险影响指标研究

目的/意义P2P网贷的信用风险主要来自平台，因此有必要对平台的各项影响指标进行研究并分析各指标的权重，为P2P信用风险度量的深入研究做准备。方法/过程依据P2P平台信用风险的特殊性，从平台运营情况和平台基础实力两个方面建立P2P平台特有的指标体系，并以19家平台的数据为研究样本，再运用MATLAB软件进行改良的CRITIC赋权法运算得到各指标的相应权重，从而更为全面科学地对平台的信用风险进行研究，并提出了网贷专业集群化运行机制以降低风险。结果/结论最终研究结果与实际情况基本一致，P2P平台信用风险的各指标重要性排序中满标时间最为重要，因为平均满标时间可以反映平台受投资人欢迎的程度，而投资人对平台的信任很大程度上决定着一个平台的生死。注册时间的权重最小，这与P2P问题平台统计数据结果一致。由此可知，在研究平台信用风险时应依据权重进行度量，这才能使得度量更为准确可靠。

Study on the Influence of Credit Risk of P2P Platform Based on Improved CRITIC Method

Objective/SignificationThe credit risk of P2P lending is mainly from the platform, so analyzing various influencing indexes of the platform and the weight of each index is of great importance in preparing for the in-depth study of P2P credit risk measurement.Method/ProcessBased on the particularity of credit risk of P2P platform, the paper forms specialized index system of P2P platform from two aspects: platform operation and platform basic power. With the data of 19 platforms as the research sample, it gets corresponding weights of each index by using the MATLAB software and improved CRITIC method. Thus the research on platform credit risk is more scientific and comprehensive. It also puts forward that network professional clustering operation mechanism can reduce credit risks.Result/ConclusionThe results basically accord with actual situation, the most important is the sorting time of each index of P2P platform credit risk because the average full sorting time reflects the popularity of the platform with investors, and investors' confidence on the platform determines the life and death of a platform. The weight of the registration is the smallest, which is also in accordance of platform data. It can be seen from this measuring platform cridit risk relies on weight, which makes the measurement more accurate and reliable.