A method and system for p2p platform operation risk assessment
A risk assessment, P2P network technology, applied in the field of information security, can solve the problem of ignoring the operational risks of P2P network lending platforms, and achieve the effect of extensive technology and market application value, reducing operational risks, and strengthening supervision.
Active Publication Date: 2021-01-01
NANJING UNIV OF POSTS & TELECOMM
View PDF4 Cites 0 Cited by
- Summary
- Abstract
- Description
- Claims
- Application Information
AI Technical Summary
Problems solved by technology
However, the development of everything has a process of change, and the traditional analysis ignores the changes in the operating risks of P2P network lending platforms
Method used
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View moreImage
Smart Image Click on the blue labels to locate them in the text.
Smart ImageViewing Examples
Examples
Experimental program
Comparison scheme
Effect test
Embodiment Construction
[0047] The invention will be described in further detail below through specific embodiments in conjunction with the accompanying drawings. It should be understood that the specific implementation examples described here are only used to illustrate and explain the present invention, and are not intended to limit the present invention.
[0048] Such as figure 1 As shown, the present invention provides a method and system for P2P platform operation risk assessment, the method includes the following steps:
[0049] (1) Data acquisition, obtaining the operation data of the P2P network lending platform through web crawlers, or provided by the P2P network lending platform;
[0050] (2) Data preprocessing, cleaning out some irrelevant information with the P2P network lending platform, or collected wrong information;
[0051] (3) Time window division. The fine-grained time window selection we obtained can reflect changes in the operation of P2P network lending. For example, if there...
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More PUM
Login to View More Abstract
The present invention discloses a method and system of facing P2P platform operation risk estimation. The method comprises the steps of 1) obtaining the data of a P2P network lending platform; 2) pre-processing the data, and cleaning the irrelevant platform data; 3) selecting the appropriate time windows, and dividing the operation cycle of the P2P network lending platform in a fine grain manner; 4) for the P2P network lending platform, providing some discretized data to group and quantify, for example, the age distribution of the borrowers on a grouping platform; 5) extracting the characteristics of the lager information gain via an information gain calculation method; 6) establishing an equation set between the characteristic coefficients and the corresponding weight coefficients, and solving to obtain the weight coefficient of each corresponding attributes; 7) solving the operation risk indexes of the lending platform in each time window, and observing the change situation of the risk indexes of the platform with a period of time. The method and the system of the present invention can prompt the platform operators effectively, adjust the management measures, and have the wide technological and market application values.
Description
technical field [0001] The invention relates to a method and system for P2P platform operation risk assessment, belonging to the technical field of information security. Background technique [0002] With the rapid development of Internet technology, the financial industry, especially the e-commerce field, has undergone tremendous changes. In recent years, with the emergence of a new lending method, that is, P2P online lending, it has changed the traditional lending process, making borrowing and lending easier and more convenient. In the process of online lending, materials, funds, contracts, procedures, etc. are all realized through the Internet, the borrower sets the loan payment standard, and then the investor lends to the borrower through competitive bidding. After the review by the P2P platform, the borrower can publish some detailed information, such as education, employment status, repayment method, interest rate, and some specific uses of the funds, and investors ca...
Claims
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More Application Information
Patent Timeline
Login to View More Patent Type & Authority Patents(China)
IPC IPC(8): G06Q10/06
CPCG06Q10/0635
Inventor 李华康刘盼陈光宣孙国梓贾雪松关海潮李涛
Owner NANJING UNIV OF POSTS & TELECOMM