Study on the operation quality assessment of P2P platform based on factor analysis

摘要

As the medium for direct interaction with various participants, internet-based Peer-To-Peer (P2P) lending platforms play a vital role. To assess their operational quality in a relatively objective way, we established a theoretical basis and came up with an indicator system to evaluate the operational quality of P2P platforms. This was done by consulting local and foreign documents and by collaborating with researchers on current developments. We also analyzed real-time data of 75 internet-based P2P lending platforms via factor analysis and drew the conclusion that the indicator of website history and scale is the biggest contributor. Thus, we proposed relevant suggestions to regulatory institutions, internet-base lending platforms and relevant investors.