| 基于熵值法的P2P网贷平台信用评级体系研究 |
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| 引用本文： | 何 涌,董怡云.基于熵值法的P2P网贷平台信用评级体系研究[J].湖南工业大学学报（社会科学版）,2019,24(2):54-59. |
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| 作者姓名： | 何 涌 董怡云 |
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| 作者单位： | 湖南工业大学 经济与贸易学院,湖南工业大学 商学院 |
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| 基金项目： | 教育部人文社会科学研究规划基金项目“系统性风险防控下民间借贷风险的演化与治理研究”(18YJAZH026)；
湖南省社会科学成果评审委员会基金项目“民间借贷区域性风险的溢出效应与预警体系研究”（XSP18YBZ022） |
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| 摘 要： | 通过搜集P2P网贷平台官网中信息披露的相关数据，运用相关性分析筛选出显著性较高的10个指标，构建网贷平台信用评级体系。结合熵值法对指标赋权，构建出一个简单适用的信用评级模型对平台进行评级，并以2007年成立的拍拍贷为实证对象，得到拍拍贷的最终评级结果为92分，对应等级为AA级，验证了该P2P信用评级体系的可操作性。
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| 关 键 词： | 熵值法 P2P 网贷平台 信用评级 |
| 收稿时间： | 2018/10/28 0:00:00 |
Research on Credit Rating System of P2P Online Lending Platform
Based on Entropy Method |
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| HE Yong and DONG Yiyun.Research on Credit Rating System of P2P Online Lending Platform
Based on Entropy Method[J].Journal of Hunan University of Technology(Social Science Edition),2019,24(2):54-59. |
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| Authors: | HE Yong and DONG Yiyun |
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| Abstract: | By collecting relevant data of information disclosure in the official website of P2P online lending platforms, this paper uses correlation analysis to screen out 10 indicators to build a credit rating system. Combining the entropy method to weight the indicators, a simple and applicable credit rating model was constructed to rate the platform. Taking Paipaidai established in 2007 as the empirical object, we find out that the final rating result of Paipaidai was 92 points, and the corresponding grade was AA, which verify the operability of the P2P credit rating system. |
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