Hebei Agricultural Enterprise Credit Assessment Based On P2P Network Lending Platform

With the development of the P2 P lending platform,agricultural enterprises in Hebei province's difficult problem of loan has a certain degree of relief,however,the agricultural enterprise credit problems are more prominent,seriously restrict the development of P2 P network lending platform,therefore,the agricultural enterprise credit evaluation is necessary.In this paper,from the perspective of P2 P lending platform,analysis the credit conditions of agricultural enterprises in Hebei province,set up a credit evaluation system,dynamic data and put forward the perfect P2 P lending platform of agricultural enterprise credit evaluation.According to the characteristics of the subject,using literature analysis,combining qualitative analysis with quantitative analysis and normative analysis and case analysis with the combination of research methods.First of all,the P2 P lending platform model,agricultural enterprise credit assessment and risk supervision of literature review,define the P2 P network platform agricultural enterprise credit evaluation related concepts,and expounds the related theories and research methods.Second,financing and credit status of agricultural enterprises in Hebei province,Analysis of the current situation of agricultural enterprise credit evaluation and existing problems of agricultural enterprise credit evaluation;Next,the perspective of lending platform based on P2 P network,to take into account under the network environment of agricultural information,constructs the FCIEM model,through the five dimensions to evaluate enterprise's credit problems,improve the existing index system of credit;Agricultural enterprise credit evaluation index weight vector is determined,at the same time to build the credit index auxiliary model,when the real feedback credit index membership degree vector changes,real-time adjustment,make up the defects of the current credit evaluation dynamics insufficient consideration;Then,using fuzzy mathematics comprehensive evaluation method of agricultural enterprise dynamic credit to weight vector analysis,evaluation of agricultural enterprise credit rating,and last a company in Hebei province is tempting as case analysis the enterprise's creditrating;In the end,respectively from the government,the agricultural enterprise,P2 P lending platform three Angle improving Suggestions to the agricultural enterprise credit evaluation.Lending platform based on P2 P network perspective,and puts forward the agricultural quality and safety standards,agricultural characteristics of back mechanism and disciplinary mechanism,the dynamic regulation of concrete measures such as emergency management mechanism.