Research On Multi-attribute Group Decision Making Based On Picture Fuzzy Set And Their Applications In Risk Assessment Of Internet Financial Products

With the rapid development of big data and Internet technology,Internet finance has been developing rapidly.As a representative of inclusive finance,the emergence of Yu E bao has become a new starting point for the development of Internet financial products.Subsequently,many Internet financial products have emerged.While Internet financial products are widely favored by people and bring convenience to them,their risks have gradually been exposed.Therefore,in order to maintain the healthy development of Internet financial products,it is necessary to assess their risks scientifically and reasonably.However,in the process of risk assessment,some qualitative assessment indicators are difficult to be analyzed quantitatively.Therefore,in order to solve this dilemma,fuzzy decision theory has been rose.As an important part of fuzzy decision theory,picture fuzzy theory converts qualitative information into quantitative information through membership function,neutral function,non-membership function and rejection function,which can make evaluation results more accurate and reasonable.Based on the above analysis,this paper makes an in-depth study and discussion on the multi-attribute problem of risk assessment of Internet financial products under the picture fuzzy information and makes a comprehensive and reasonable risk assessment based on various indicators and methods.The main research contents and results of this paper are displayed as following :(1)According to relevant financial theories and the development status of Internet financial products,identify risks and build a reasonable risk assessment index system for Internet financial products;(2)For the risk assessment of Internet financial products whose evaluation information is a picture fuzzy number and the attribute weight information is uncertain,picture fuzzy EDAS model,picture fuzzy CODAS model and picture fuzzy Taxonomy model are respectively proposed to solve the problem;(3)The three evaluation models constructed in this paper are applied to a numerical example related to internet financial products risk assessment,and the validity of the three evaluation models is verified by means of validity test and comparative analysis,and their advantages are pointed out respectively.The innovation of this study lies in:(1)constructing a risk assessment index system based on qualitative indicators;(2)converting qualitative indicators into quantitative indicators scientific and reasonably;(3)breaking through the existing financial risk assessment methods.