Research On Credit Rating Of P2P Network Credit Takeing A Credit Company In Nanning As An Example

P2P network credit is a direct personal lending model based on network platforma,which as a point of personal credit,since entering our country has set off a wave of P2 P,at the end of 2016 the P2 P network credit company exceeded 2000,the transaction size exceeded 100 billion yuan.The rapid growth of the number of P2 P network credit platform can not represent the P2 P network credit industry has grown up.As a new credit model,there are still many problems in the development process,especially the problem of personal credit.With the rapid expansion of personal credit,the credit network platform has become the hardest-hit area of personal credit risk.In addition,the scale of P2 P network credit company is generally small,its ability of risk management is much lower than the traditional commercial banks.And most of the P2 P network platform has not yet established their own credit risk assessment model.Therefore,the problem of creadit risk has become the biggest one.On the other hand,in a deeper point of view,personal credit risk is an important risk factor leading to instability of the entire Internet financial system and the major risk of market economic activity faced.To sum up,this article analysis the role of the borrower's credit risk in P2 P network credit from the perspective of personal credit risk.According to the personal information based on Nanning P2 P network platform,we selsct an empirical study on credit rating of online credit with logistic regression model and IV value and logitboost classification algorithm.The final personal credit scoring and rating system is proved to have the ability to predict and evaluate the borrower's credit,which is suitable for the credit risk assessment of P2 P network credit.Finally,according to the research conclusions of the personal credit risk system and the requirements of the internal and external environment of the personal credit risk assessment,this paper puts forward some countermeasures and suggestions to improve the credit risk assessment system of P2 P network credit.