—In recent years, online lending platforms grow explosively. Recently, the number of online lending platforms is above 500, online lending has become a measure for trendy to manage finances. The paper is based on 20 network lending companies from www.wangdaizhijia.com for research, constructing a clustering index system with returns, liquidity and the popularity of nine indicators. And it is helpful for investors to rationally select network lending platform when we can know the level of every platform by analyzing each platform with grey clustering method. The study found that, in the financing Guarantee Corporation guarantee way, Lu Jin is the best choice for investors ; in the risk reserve guarantee way, Lego box, pleasant loan, red hill VC are good choices.
—Online lending platform, the grey clustering method, operational models, investors.
The authors are with College of Economics and Management, Nanjing University of Aeronautics and Astronautics, Nanjing, Jiangsu, 210016, China (e-mail: firstname.lastname@example.org, email@example.com, firstname.lastname@example.org).
Cite: Wei Jingshen, Xu Lingjuan, and Li Fang, "A Study on the Application of Choosing Online Lending Platforms by the Grey Clustering Method-Based on the Sight of Investors," International Journal of Social Science and Humanity vol. 7, no. 4, pp. 221-227, 2017.