摘要
I
摘要
P2P 是互联网金融的先行军，我国 2007 年开始大量出现 P2P（Peer to Peer）
网络借贷。值得一提的是，网络借贷最初的规模虽然不大，但是具有投资收益高、
准入门槛低的特点，近 10 年来的发展势头相当迅猛，也受到社会各界的高度认可

可靠数据显示，全国 2016 年初的时候已经有 4030 家 P2P 网络借贷平台，其年增
长速度达到了 4%以上。不过正是因为其准入门槛较低且缺乏相应的行业标准，所
以经常出现“跑路”戏码的情况，其中比较有代表性的就是黑马 E 租宝事件，其违
法行径一时轰动了整个 P2P 网络借贷行业。事实上，很大部分借贷平台都是因为
贷款人还款逾期造成，进而使得平台收到强烈的挤兑，最终导致其资金链断裂掉

中央银行已经批复了八家机构开展个人征信业务，人们的信用记录将直接在互联
网中得到体现

针对上述情况，在保证监管有效且法律完善的前提下，本文研究了 P2P 网络
贷款信用评分的主要影响因素，通过建立合理的评价指标体系和选择合理的评估
方法来进行网络贷款信用评分。全文主要研究内容为：
首先对本文的研究背景、研究目的以及研究意义进行了介绍，同时阐述了国
内外关于 P2P 网路贷款评分方面的研究现状，最后对本文使用到的研究方法和全
文研究内容进行了介绍。其次是 P2P 网络贷款信用评分的理论基础，本章首先介
绍了 P2P 网络借贷的概念和特征，其次描述了个人信用评分的内涵，最后对目前
的主流评分方法进行了简要介绍。再者完成了 P2P 网络贷款平台信用评分指标体
系的设计。首先介绍了整个指标体系的设计原则，其次从个人基本信息、社会信
息、消费信息、资产信息、抵押信息、收集流水账以及评级信息等七个方面的指
标来建立评价指标体系。最后是 P2P 网络贷款的信用评估模型建立和案例分析

首先基于 AHP 层次分析法设计了信用评估模型，并且对各个层级指标的权重进行
了设计，最后通过案例分析来验证了该评估模型的可行性和合理性。希望通过本
文的研究能够为 P2P 网络贷款信用评分提供一定的参考价值

关键词 P2P 网络贷款，信用评分，指标体系，评估方法ABSTRACT
II
ABSTRACT
P2P is the first march of Internet finance, a large number of P2P (Peer to Peer)
network lending appeared in 2007. It is worth mentioning that the initial size of the
network lending is small, but with high investment income and low access threshold
characteristics, its development momentum is quite rapid in nearly 10 years, it has also
been highly recognized by the community. Reliable data show that at the beginning of
2016, there are 4030 P2P network lending platform in China, its annual growth rate of
more than 4%. But because of its lower access threshold and the lack of the
corresponding industry standards, so, “escape phenomenon” is common, which is more
representative is that the event of “ezubo”, their illegal act shocked the entire P2P
network lending industry.
In fact, a large part of the lending platform is due to the lender repayment overdue,
which makes the platform received a strong pressure, eventually, its capital chain will
be broke off. The central bank has approved eight institutions to carry out personal
credit business, people&39;s credit records will be directly reflected in the Internet.
Bases on the above situation, this paper studies the main influencing factors of
credit score of P2P network loan, under the premise of ensuring the supervision is
effective and the law is perfect, then makes the credit score of network loan by
establishing reasonable evaluation index system and selecting reasonable evaluation
method. The main contents of this paper includes:
Firstly, this paper introduces the research background, the study purpose and the
research significance. At the same time, this paper also explains the research status of
P2P network loan score. At last, this paper introduces the research methods and research
contents of this paper. Secondly, this paper talks about the theoretical basis of P2P
network loan credit score. This chapter introduces the concept and characteristics of
P2P network lending firstly. Then, it describes the connotation of personal credit score.
Finally, it introduces the current mainstream score method. And then completed the P2P
network loan platform credit rating index system design.
This paper first introduces the design principle of the whole index system, and then
establishes the evaluation index system from seven aspects: personal basic information,
social information, consumption information, asset information, mortgage information,ABSTRACT
III
collection of running account and rating information. Finally, this paper establishes and
analyzes the credit evaluation model of P2P network loan. Firstly, bases on AHP
analytic hierarchy process, this paper designs the credit evaluation model, and designs
the weights of each level index. Finally, through case analysis, this paper verifies the
feasibility and rationality of the evaluation model. We hope that this study can provide
some reference value for P2P network loan credit score.
Key words: P2P network loan, credit score, index system, evaluation method目录
IV
目 录
第一章 绪论........ 1
1.1 研究背景和意义........... 1
1.1.1 研究背景 1
1.1.2 研究目的和意义 2
1.2 国内外研究现状........... 3
1.2.1 国外研究现状.... 3
1.2.2 国内研究现状.... 5
1.3 研究内容和方法........... 7
1.3.1 研究内容 7
1.3.2 研究方法 7
第二章 P2P 网络贷款信用评分的理论基础..... 9
2.1 P2P 网络借贷的概述..... 9
2.1.1 P2P 网络借贷的概念和现状...... 9
2.1.2 P2P 网络借贷的特点.....11
2.1.3 P2P 网络借贷个人信用风险.....11
2.2 个人信用评分概述..... 13
2.2.1 信用与个人信用.......... 13
2.2.2 个人信用评分.. 14
2.2.3 个人信用评分影响因素.......... 15
2.3 主流信用评估方法概述......... 16
2.3.1 FICO 评分法..... 16
2.3.2 商业银行信用评估法.. 17
2.2.3 P2P 网络贷款信用评分法........ 20
2.3.4 基于互联网大数据信用评估方法...... 22
2.3.5 信用评分方法总结.........
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