Research On Risk Management Of P2P Network Lending Project Based On Fuzzy Evaluation

With the rapid development of Internet finance,the P2P network lending platform has developed by leaps and bounds,which has attracted wide attention from investors and provided new financing channels for financing small and micro enterprises or individuals.In the process,P2P network lending the development of the platform is not mature,its own self-discipline ability is poor,the external supervision system is not perfect,and its risk management has become the focus of research.Therefore,the research in this paper not only supplements the P2P network loan risk management theory to some extent.From this aspect,it is of theoretical significance to study the credit risk of P2P online loans.Moreover,through the fuzzy analytic model,this paper establishes a risk assessment model suitable for China's P2P online loan industry,and explores the key risk factors that cause the P2P online lending industry in China,and evaluates its risk status scientifically and comprehensively.This has important practical significance for the research of China's P2P online loan risk assessment model and the healthy growth of the industry.Based on the analysis of domestic and foreign literatures and related theories by using literature analysis and normative analysis,this paper analyzes the proposed problems and uses normative analysis,case analysis and empirical analysis methods to face the P2P network lending platform.The risk analysis includes operational risk,credit risk liquidity risk,legal risk,and information technology risk.Through analysis,it is found that the risk formation mechanism of P2P network lending platform exist,the dual lack of supervision and self-discipline;the platform does not control the credit risk of borrowers;the lack of support of perfect credit system;platform Defects in its own internal management,Four aspects.Further,through the fuzzy evaluation model,the risk evaluation of the case AP platform is carried out.It is concluded that the biggest risk facing the company is credit risk,followed by liquidity risk,followed by legal risk,operational risk and information technology risk.This article is intended for improving the risk assessment mechanism of the P2P network lending platform;optimizing the internal control system of the P2P network lending platform;enhancing the transparency of the P2P network lending platform;promoting The management level of the P2P network lending platform,Research and put forward countermeasures.Through the above research,it has enriched the research on risk management of P2P network lending platform,which has certain theoretical significance.At the same time,it also provides risk management for P2P network lending platform to a large extent,and provides reference solutions and reference,which has certain practical significance.