A Method Of Evaluating Operational Risk For P2P Network Lending Platform

With the popularity of the Internet and the development of network technology,a new way of borrowing has changed the way of lending in China's traditional financial field.P2 P lending platform utilizes a reliable third-party internet platform as an intermediary agent which enables investors lend loans and borrowers raise funds more convenient and efficient.By analyzing the network loan process and comparing with the traditional financial lending model,this thesis summarizes the main reasons for the emergence of risk,and evaluates and quantifies the risk of the online loan platform by using the data mining technology to evaluate the operation of the platform.Aiming at the current risk assessment of online loan platform,this thesis proposes a risk assessment method based on short-time multi-source regression algorithm and dynamically observes the risk changes of the online loan platform.Aiming at the problem of credit rating classification of online loan platform,a solution is proposed.The whole thesis is arranged as follows:(1)This thesis studies the quantitative evaluation of risk assessment of online lending platform.By analyzing the characteristics of the operation of online lending platform,a risk assessment method based on time window is proposed.The method uses data analysis techniques to calculate the characteristics of the network lending platform by calculating the information gain.The regression method is used to quantify the risk assessment of the platform and can show the trend of the platform risk over a period of time.(2)This thesis studies the problem of credit rating classification of internet lending platform.According to the operating data of online lending and the classification algorithm,the dissertation classifies the internet lending platform to promote the compliance development of the internet loan industry.(3)In experiment part,this thesis designs and implements the risk assessment method,compares with the comparative experiment,and carrys out the result and performance analysis.(4)The visualization technology is used to show the experimental results,including the information distribution of the borrowers on the P2 P lending platform and the trend of the operation risk.