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从网络借贷平台发展的角度,应用层次分析法的基本原理,构建网络借贷平台发展层次分析法模型(AHP),确定网络借贷平台发展的指标体系,将成对比较矩阵的特征向量作为网络借贷发展评价因子的权重,确定了相关因子的影响力排序;同时,对AHP的优缺点进行分析。其结果显示:成交量和流动性是影响网络借贷发展的首要因素,其次为注册人数因素,最后为分散度和透明度因素,这样的排序基本反映了如今网络借贷发展的实际状况。
From the perspective of the development of internet lending platform, this paper applies the AHP principle to build an AHP model for internet lending platform and determines the index system for the development of internet lending platform. Using the eigenvectors of pairwise comparison matrix as the evaluation of the development of online lending The weights of the factors, to determine the ranking of the influence of the relevant factors; the same time, the advantages and disadvantages of AHP analysis. The results show that: the volume and liquidity are the primary factors that affect the development of online lending, followed by the number of registered users, and finally the degree of dispersion and transparency. Such a ranking basically reflects the actual status of the development of online lending.