中文摘要：

针对P2P网络金融平台借贷记录的历史数据量海量存在,却只是存储在数据仓库中,其蕴含的有效信息并没有被发掘的问题,在P2P网络金融平台的管理中融入数据挖掘技术。以Weka为数据挖掘工具,利用现有存储数据信息进行数据分析。通过平台算法以及数据模型的处理,以投标时间T、投标总次数N、投标借出总金额M三个指标为参考,将P2P网络金融平台中的出款人分为8种类型,并给出了这3项指标的整体聚类结果,分别为0.826 3、0.067 2、0.077 7,据此判断出款人的潜在价值,为平台管理者提供相应的参考。

英文摘要：

The historical data volume of the borrowing records of P2P financial platform is huge, but it is only stored in the data warehouse, and the effective information contained in it is not discovered. In the P2P network financial platform management, it introduces into data mining technology, using Weka for data mining tool, and it uses the existing stored data information for data analysis; Finally, trough the platform algorithm and data model processing, the bidding time T, the total number of times the tender N and the total amount of tender lending M are as the reference to the P2P network financial platform which will be divided into eight types of payers, and the overall clustering results of these three indexes are 0. 826 3,0. 067 2,0. 077 7 respectively, and then according to it, we determines the potential value of the money, which provides the appropriate reference for platform managers.