【摘要】 借款人信用风险评估缺失是造成P2P网贷问题平台频出的重要原因之一。本文从分析网贷平台借款人的信用风险着手,筛选网贷平台借款人信用风险的影响因素,建立网贷平台借款人信用风险评估指标体系,并构建基于人工神经网络的信用风险评估模型,进而选取部分P2P网贷平台所披露的137组借款人信息进行实证测试,发现测试结果与实际情形基本一致,借款人信用风险评估指标和模型能满足网贷平台对借款人信用风险评估的需要。更多还原

【Abstract】 With the rapid expansion of the P2 P network lending,the lack of borrowers’ credit risk assessment is an important reason for causing the problems of platforms. It starts from analyzing the credit risk of P2 P platform’s borrowers,identifying and screening the credit risk factors of platform’s borrowers, establishes the credit risk evaluation index system of network lending platform’s borrowers,constructs the credit risk evaluation model based on artificial neural network, and proceeds the empirical teston 137 borrowers information disclosed by "Paipai Dai", "Renren Dai" etc. The results are basically consistent with the actual situation,which shows that the credit risk assessment index and model of platform’s borrowers can meet the need of network lending platform to do the assessment of borrowers’ credit risk.更多还原