Research on Risk Assessment Model of P2P Lending Network Platform

We construct a risk assessment matrix for P2P lending platforms to qualitatively analyze the platform risks. By combining the mainstream natural language processing technologies (TF-IDF model, LDA topic model, Word2Vec shallow neural network word vector model), we analyze the platform “User reviews” text data to extract keywords. After standardizing them, new features for qualitative analysis of platform risks are analyzed. The risk assessment is carried out for the platform to predict the risk value of the lending platform.