Research On Evaluate In Personal Credit Of P2P Lending

P2P Lending is Peer-to-Peer lending English abbreviation, lending is direct person to person through the network created. After the emergence of P2 P lending, alleviate part of the community of financial repression, it has the characteristics of financial inclusion, its Internet features and ways of thinking have a profound impact on the financial sector.Foothold in this financial sector development is an effective risk prevention and control, the borrower’s personal credit risk is the main risk in the Credit project, traditional financial institutions has a complete of risk control system, through strict loan approval link before the general can avoid most of the risk, the P2 P lending as an emerging financiers, its historical development is not so long, it has not yet formed a comprehensive P2 P lending borrowers personal credit risk assessment system, and our citizens personal credit information system is not yet complete, docking between lending platform and credit system is not smooth, existing methods alone can not completely solve the problem of risk.So, this article from the borrowers personal credit risk prevention perspective, it draws on relevant mechanism FICO credit score and ZHIMA credit score, combined with "2014 Chinese P2 P lending services industry White Paper" statistics, use AHP analytic hierarchy process to construct the hierarchy model framework, construction is suitable for our P2 P lending borrowers before the loan personal credit risk scoring model. P2 P lending aimed at reducing the borrower’s personal credit risk, reduce operational risks P2 P lending platform, helping investors make their science and right decision.