Evaluation Of P2P Platform Based On Factor Analysis

With the development of economy and society,enterprises,especially small and micro enterprises,have a growing demand for capital.On the one hand,the growth of this demand has injected new energy and brought new vitality to the development of society.On the other hand,the development of small and micro enterprises has brought new problems to the economy and society.In the case of fiscal policy tightening,such small or highly sensitive industries are difficult to obtain the required funds from large financial institutions such as commercial Banks,and the lack of funds makes them struggling,while small and micro enterprises are often the basis for a healthy operation of society.The plight of small and micro enterprises reflects the dilemma of social operation.When it is difficult for them to raise funds from conventional channels,new financing forms like P2 P platforms emerge at the right moment.Their birth solves the dilemma of people’s financing difficulties,promotes the progress of economy and society to a certain extent,and maintains the stability of the financial market.However,as P2 P platforms gradually develop and become more and more prosperous,the corresponding vicious events take place one after another.Thus,a new economic pattern is naturally on the cusp of the storm.Frequent debt default has deeply hurt investors’ confidence in investment and dampened their enthusiasm for investment.However,P2 P platforms are mixed under the surface of prosperity and development.At the same time,few people have comprehensively studied the comprehensive status quo of P2 P platforms,and few people have examined P2 P platforms from the perspective of investors’ investment,resulting in that many investors’ cognition of P2 P industry is still in the primary stage.When the state encourages entrepreneurship but cannot give full support,the existence of P2 P industry has become inevitable.Investors in the face of such situation,to fully meet the P2 P platform,this paper collected 300 platform,18 variable indicators,5400 data,to construct a cover platform background,level of management,profitability,activity,the evaluation system of credit policy,enable investors to further understand the P2 P platform,increase confidence of investors to invest in P2 P platform.In a variety of methods,choose a suitable method for the industry,through the process of analysis of the method to understand the characteristics of the industry,find out what is the cause of the embarrassing situation of P2 P platform,find out the reasons.Similarly,this paper also USES P2 P platforms to show the advantages of factor analysis in analyzing P2 P platforms to the general readers,and to deeply interpret the subtlety of this method.In the face of massive data,it not only analyzes the theory of methods in detail,but also fully interprets the status quo of P2 P platforms.In the end will be according to the factor analytic method,led by Liu Jin clothing,comprehensive ranking of P2 P platform,show different platforms in the activity,differences of management level and so on,and the results are reasonable inspection to confirm the correctness of the factor analysis method,and from the comparison of the difference of the different method to confirm the factor analysis method based on the analysis of the scientific nature of the P2 P platform,performance in different dimensions of the characteristics of the factor analysis method.In the face of the massive voices of P2 P platform crusade,the industry will be what direction,as far as possible from the method in this paper to get inspiration.Of course,the cognition of P2 P platform itself is a process of repetition and complexity.This paper only provides a reasonable perspective for readers to understand.The development of P2 P platform is still in the stage of tortuous development,among which there will inevitably be a lot of problems to be explored,here to introduce a gem for the readers to show the cunning of factor analysis method in the evaluation of P2 P platform.