针对P2P网络平台借贷风险评估问题,从系统功能域角度,分析了影响P2P网络平台借贷过程中的主要风险因素,设计了一种基于层次分析法的P2P网贷平台借贷风险评估模型,利用专家打分法,对P2P网络平台借贷风险进行了综合评估,检验了所建模型的可行性和合理性,对于P2P网络平台借贷风险管控的决策制定等具有一定的参考价值。 Aiming at the risk assessment of lending of P2P platform, this paper analyzes the main risk factors that affect the lending process of P2P platform from the perspective of system function domain, and designs a lending risk assessment model based on analytic hierarchy process Method, a comprehensive assessment of the lending risk of P2P network platform to test the feasibility and rationality of the model, for the P2P network platform for the development of risk management and control of credit risk has a certain reference value.