scholarly journals Personal Credit Risk Evaluation Model of P2P Online Lending Based on AHP

Symmetry ◽  
2021 ◽  
Vol 13 (1) ◽  
pp. 83
Author(s):  
Fengpei Wu ◽  
Xiang Su ◽  
Young Seok Ock ◽  
Zhiying Wang
Keyword(s):  
Credit Risk ◽  
Risk Evaluation ◽  
Evaluation Method ◽  
Evaluation Model ◽  
Rapid Development ◽  
Fuzzy Comprehensive Evaluation ◽  
Scoring Method ◽  
Personal Credit ◽  
Online Lending ◽  
Risk Evaluation Model

With the rapid development of the P2P (peer-to-peer) online lending industry, which is facing significant credit risk, personal credit evaluation is an important method to reduce credit risk. Based on the various indexes of personal credit risk evaluation of domestic and foreign commercial banks, and according to the characteristics of P2P online lending, this paper analyzes the factors that affect the credit risk of P2P online borrowers, introduces the unique risk factors in the field of Internet information, and constructs an index system of personal credit risk evaluation of P2P online lending, which combines qualitative and quantitative indexes, including six major indexes and 21 small indexes. It then quantifies each index and defines the judgment standard of the evaluation results. Using analytic hierarchy process (AHP), expert scoring method, and fuzzy comprehensive evaluation method, this paper establishes a personal credit risk evaluation model of P2P online lending based on AHP method. The public information of two borrowers on the “PaiPai Lending” platform are selected for experimental verification. The results show that the improved personal credit risk evaluation model has better applicability and can evaluate the borrower’s credit status more scientifically, accurately, and comprehensively; thus, it is an effective method of personal credit risk evaluation of P2P online lending.

scholarly journals Evaluating Construction Risks of Modified Shield Machine Applicable to Soft Soils Based on Fuzzy Comprehensive Evaluation Method

2020 ◽  
Vol 2020 ◽  
pp. 1-15
Author(s):  
Qingfei Luo ◽  
Wei Li ◽  
Honglin Su ◽  
Xinru Chen
Keyword(s):  
Risk Evaluation ◽  
Evaluation Method ◽  
Comprehensive Evaluation ◽  
Evaluation Model ◽  
Fuzzy Comprehensive Evaluation ◽  
Soft Soils ◽  
Fuzzy Comprehensive Evaluation Method ◽  
Comprehensive Evaluation Method ◽  
Shield Machine ◽  
Risk Evaluation Model

Metro tunnel sections in China can generally be divided into two types, those in granite formations (D = 6.0 m) and those in soft soils (D = 6.2 m), to which the same shield tunnel machine cannot be applied. The consequent low rate of machine utilization needs to be addressed. One solution is to modify shield machines which tend to tunnel granite strata with varying degrees of weathering (D = 6.0 m) into those applicable in soft soils (D = 6.2 m). Shield tunneling is a complex operation accompanied by potential risks, and accordingly it is demanded in risk evaluation and management. Hence, according to the construction features of modified shield machines in soft soil areas, this paper identifies relevant risks before establishing a specific model of risk evaluation by virtue of a fuzzy comprehensive evaluation method. This model weighs risk factors by triangular fuzzy numbers, and the membership function included is of L-R type that is frequently used in engineering. This risk evaluation model is applied to one section tunnel (Binhai New Town-Lianhua) of Metro Line 6 in Fuzhou City. Tunneling tests in the field uncover problems of the modified shield machine, including inappropriate tunneling parameters, segment dislocation, segment damage, and inadequate grouting. The result conforms to that produced by the risk evaluation model, which in turn proves the reliability of this model. Field data are also analyzed to address existing problems and to determine the appropriate tunneling parameters. The validity of these tunneling parameters is verified when surface settlement is measured.

Risk Evaluation for Shipwreck Environmental Pollution Based on AHP- Fuzzy Comprehensive Evaluation

2011 ◽  
Vol 356-360 ◽  
pp. 2228-2232
Author(s):  
Hui Xing ◽  
Shu Lin Duan ◽  
Hong Liang Yu ◽  
Qin An Liu
Keyword(s):  
Environmental Pollution ◽  
Systems Engineering ◽  
Risk Evaluation ◽  
Evaluation Method ◽  
Comprehensive Evaluation ◽  
Evaluation Model ◽  
Fuzzy Comprehensive Evaluation ◽  
Scientific Management ◽  
Pollution Risk ◽  
Risk Evaluation Model

o prevent further environmental pollution hazards after the accident of vessel sinking, shipwreck environmental pollution risk evaluation model was established based on analytic hierarchy process(AHP)-fuzzy comprehensive evaluation method. Based on systems engineering ideas, risk system consisted of shipwreck-cargo-shipwreck area-environment was established. Through statistical analysis of historical accidents and summary of expert experience, shipwreck risk evaluation indices system and the classification standards for indices were determined and the weight of each index was determined. The shipwreck environmental pollution risk evaluation model effectively improved our country’s shipwreck risk assessment mechanisms, and scientific management of shipwreck by maritime safety administration were achieved.

Floodwater Utilization Integrated Risk Evaluation Model Based on D-S Evidential Theory

2012 ◽  
Vol 599 ◽  
pp. 787-794
Author(s):  
Yuan Xiang Zhao ◽  
Yan Min Zhang
Keyword(s):  
Decision Making ◽  
Risk Evaluation ◽  
Evaluation Method ◽  
Evaluation Model ◽  
Water Environment ◽  
Flood Management ◽  
Water Resources Systems ◽  
Integrated Risk ◽  
Floodwater Utilization ◽  
Risk Evaluation Model

According to more and more serious problems of water scarcity, water pollution and deterioration of water environment in homeland, floodwater utilization becomes an important content in flood management and a critical solution for above problems. However, because of the uncertainty and subjective factor in the hydrology and water resources systems, floodwater utilization is a risk decision-making and the evaluation on the risk reasonably becomes an important decision-making reasoning problem. Traditional risk evaluation method considers uncertainty of things, but has little study on incompleteness of things and uncertainty of human’s subjective decision. An integrated risk evaluation model of floodwater utilization is presented based on D-S theory which can solve these problems successfully and with a case study, some benefit conclusions are provided.

scholarly journals Risk Evaluation of Bidding for Wind Farm Construction Project

2019 ◽  
Vol 9 (1) ◽  
pp. 71
Author(s):  
Yonghua Wang ◽  
Guosheng Hu ◽  
Jia-xin Zhang
Keyword(s):  
Risk Evaluation ◽  
Construction Projects ◽  
Wind Farm ◽  
Evaluation Method ◽  
Comprehensive Evaluation ◽  
Rapid Development ◽  
Construction Project ◽  
Fuzzy Comprehensive Evaluation ◽  
Energy Company ◽  
Element Method

With the rapid development and growth of the installed capacity of wind power generation in China, more and more attention has been paid to the risk of wind farm construction projects. Based on the extension element method and the multi-level fuzzy comprehensive evaluation method, this paper makes an empirical analysis on the bidding risk of the wind farm construction project of Xintiandi energy company in Hebei province. The research shows that the extensible matter element method can provide effective support for decision makers because there are no different evaluation principles and more accurate risk evaluation.

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