Application Of Fuzzy Analytic Hierarchy Process In P2P Car Loan Risk Management

With the vigorous development of China's auto industry,the automobile financial market has gradually developed,and the P2 P institution is the first participant in the auto finance market.Because the car has a cycle of flexibility,ease of pricing,easy to handle and other advantages,so the car finance business in the P2 P lending industry has been more and more attention.There are numerous P2 P mechanism at present and most of the P2 P mechanism to car loan business in auto finance industry,but due to lack of team management experience in the financial industry and the automotive industry,no for P2 P car loan business established perfect risk control system,the internal risk have gradually emerged.In order to be able to guarantee the steady development of P2 P car loan business,the target is to prevent and defuse the risk of P2 P car loan business.Research on P2 P car loan risk evaluation is little,therefore,to establish a scientific,objective and feasible P2 P car loan risk evaluation system to realize the effective monitoring of the risk is very necessary.Research on the P2 P car loan business risks has important theoretical and actual price value.This article is based on the view of overall and dynamic.And stand in the Angle of the P2 P platform of car loans,according to the core of the existing P2 P market mainstream car loan business as the research object,through the car loan mode of business and operation process,find out influence P2 P car loan of major risk factors and causes,to carry on the concrete analysis on the risk of our P2 P car loan market,according to the loan before the customer's credit audit link,detailed analysis of the loan before the risk factor and the influence weight.It can be more objective of P2 P car loan applicants to make evaluation by fuzzy analytic hierarchy process,so as to make reasonable and efficient decision-making,and carry out prevention and control of the risk of car loan P2 P business for institutions that.It has the effective practice significance.This paper also according to the results of risk assessment and the actual operation of the P2 P car loan,to make recommendations in view of the former to after of credit risk prevention and control measures.I hope to provide protection for the healthy development of P2 P car loan business through this study.