中文摘要：

近年来，P2P网络借贷发展迅猛，吸引了来自金融、经济、管理等诸多领域研究人员越来越多的关注．如何结合运营数据对P2P网贷平台效率进行综合评价，这对P2P网贷平台的运营管理和投资者的投资决策有着十分重要的影响，目前关于这方面的研究相对欠缺．鉴于此，文章提出数据驱动赋权的改进TOSPSIS法对P2P网贷平台效率进行综合评价．首先，针对TOPSIS法存在的主观权重问题，提出数据驱动赋权的数学模型；其次，利用教与学优化算法确定最优权重，以最大化赋权前后数据的一致性和权重的客观性；最后，结合网贷之家的运营数据应用改进TOPSIS法对100家P2P网贷平台效率进行综合评价．结果表明，基于改进TOPSIS法的评价结果和网贷之家的评价结果具有较高的一致性．

英文摘要：

In recent years, P2P （peer-to-peer） lending has emerged and developed rapidly, which has attracted increasing attention from research experts in the fields of finance, economics, management, et al, and then, operational data driven efficiency evaluation of P2P plays a vital role in P2P＇s operation management and investor＇s investment decision-making. In this paper, an improved TOPSIS driven by the oper- ational data is presented to evaluate the P2P＇s operational efficiency. Firstly, a data driven weighting mathematical model is proposed and dedicated to solving the sub- jective weight problem in TOPSIS; secondly, a teaching-learning-based optimization algorithm is utilized to determine the optimal weight by maximizing the consistency between the origin data and the evaluation result as well as the objectivity of the weight; finally, the improved TOPSIS is employed to evaluate the efficiency of one hundred P2P lending platforms loan platforms, which indicates its the consistency with the evaluation results of http：//www.wdzj.com/.