System Dynamics Models of Online Lending Platform Based on Vensim Simulation Technology and Analysis of Interest Rate Evolution Trend

Abstract

This paper mainly focuses on the construction of a system dynamics model of an online lending platform and the application of Vensim simulation technology in the analysis of the evolution trend of the investment interest rate. The system dynamics flow graph models of the investment subsystem, loan subsystem, and interest rate subsystem of the online lending platform were innovatively constructed; the level variable, flow rate variable, auxiliary variable, and mathematical relations between these variables as they relate to the platform were innovatively studied. Based on the key variables of the online lending platform, a system dynamics model of the online lending platform was innovatively constructed. The parameters were assigned using data from China’s online lending industry, and the logical consistency, sensitivity, and validity of the simulation data of the system dynamics model were tested. Finally, we used Vensim simulation technology to simulate and analyze the impact of emergency scenarios on the interest rate evolution trend. Overall, this paper provides a scientific simulation technology and data analysis method for examining online lending platforms.

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“…Furthermore, the data collected will be processed at the coding stage and analyzing the data. Then after that, the data will be visualized by researchers using Nvivo 12 Pro and Vensim PLS X64 to see the results (Mortelmans, 2019;Pang et al, 2022;Woolf and Silver, 2018). The data obtained were analyzed from Nvivo using the concept map and project map features to find conclusions from the data obtained.…”