摘要P2P金融又叫P2P信贷。其中，P2P是peer-to-peer或person-to-person的简写，意思是：个人对个人。P2P金融指个人与个人间发生的小额借贷交易，一般借贷双方需要借助互联网平台联系，确认借贷关系才能完成相关交易手续。2007年我“拍拍贷”借贷网站成立后，多家P2P网络借贷平台也相继诞生，经过一段时间的发展之后，整个行业交易规模日益剧增、影响范围渐趋广泛。2011年下半年，自称“中国最严谨网络借贷平台”的哈哈贷发布了关闭通告，一时引发社会关注，同时，银监会随即印发了《关于人人贷有关风险提示的通知》，要求银行业金融机构严防民间借贷风险影响银行体系。此后，我国P2P网络借贷行业相关法律的制定、风险状况评估和行业发展走向等成为相关行业讨论的重点。44030

P2P finance is also called P2P credit. Among them, P2P is peer-to-peer or person-to-person for short, the meaning is: person to person. P2P finance refers to the micro lending transactionsbetween inpiduals, both lenders and borrowers generally need through the Internet platform, to confirm the lending relationship in order to complete the transaction procedures.2007 "a pat on the loan" lending site was established, a number of P2P lending platform networkhave emerged one after another, after a period of development, the industry trade scaleincreasing, influence range is wide.The second half of 2011, claiming to be "the most rigorous China network lending platform" ha ha credit issued a notice to close, causing social concern, at the same time, the CBRC issued the "notice" and a peer-to-peer lending related risk warning, require the banking institutions to prevent the folk loan risk of bank system. Since then, making the risk status of the P2P network lending industry, China's relevant legal evaluation and the industry development trend andbecome the focus of the discussion related industries.

毕业论文关键词：P2P金融；P2P网贷；评价设计

Keyword: P2P financial P2P net credit; evaluation design

目录

1. 绪论 4

1.1研究背景和意义 4

1.2研究内容 4

1.3本文创新点 4

2. 文献综述 4

2.1P2P网贷与民间借贷、互联网金融 4

2.2国内的相关研究 5

2.3研究中存在的问题 5

3. 我国P2P平台发展现状与存在的问题 5

3.1P2P平台发展现状 5

3.2存在的问题 7

4. P2P平台评价体系构建 7

4.1建立P2P网贷平台评价体系的意义 7

4.2建立P2P平台评价体系的基本原则 8

4.3P2P平台评价体系指标体系构建 8

4.4P2P金融平台评价体系影响要素分析 9

5. 基于层次分析法的P2P金融平台评价 10

5.1建立递阶层次结构 10

5.2构造判断矩阵 10

5.3权重计算 11

5.4一致性检验