A Trial of Student Self-Sponsored Peer-to-Peer Lending Based on Credit Evaluation Using Big Data Analysis
المؤلفون المشاركون
Wei-sheng, Xu
Hou, Yujiao
Ma, Xiaofeng
Mei, Guang
Wang, Ning
المصدر
Computational Intelligence and Neuroscience
العدد
المجلد 2019، العدد 2019 (31 ديسمبر/كانون الأول 2019)، ص ص. 1-11، 11ص.
الناشر
Hindawi Publishing Corporation
تاريخ النشر
2019-04-16
دولة النشر
مصر
عدد الصفحات
11
التخصصات الرئيسية
الملخص EN
There is still no effective approach to overcome the problem of credit evaluation for Chinese students.
In absence of a reliable credit evaluation system for students, the university students have to only apply through online peer-to-peer (P2P) loan platforms because Chinese financial institutions typically reject students’ loan applications.
Lack of students’ financial records hinders financial institutes and banks to routinely evaluate the students’ credit status and assign loans to them.
Hence, this paper attempted to benefit from university students’ diversified daily behavior data, and logistic regression (LR) and gradient boosting decision tree (GBDT) algorithms were also used to develop robust credit evaluation models for university students, in which the validation of the proposed models was assessed by a real-time P2P lending platform.
In this study, the students’ overdue behavior in returning books to university library was used as an index.
With training 17838 samples, the proposed models performed well, while GBDT-based model outperformed in identification of “bad borrowers.” Based on the proposed models, a self-sponsored peer-to-peer loan platform was established and developed in a Chinese university for ten months, and the achieved findings demonstrated that adopting such credit evaluation models can effectively reduce the default ratio.
نمط استشهاد جمعية علماء النفس الأمريكية (APA)
Hou, Yujiao& Ma, Xiaofeng& Mei, Guang& Wang, Ning& Wei-sheng, Xu. 2019. A Trial of Student Self-Sponsored Peer-to-Peer Lending Based on Credit Evaluation Using Big Data Analysis. Computational Intelligence and Neuroscience،Vol. 2019, no. 2019, pp.1-11.
https://search.emarefa.net/detail/BIM-1129713
نمط استشهاد الجمعية الأمريكية للغات الحديثة (MLA)
Hou, Yujiao…[et al.]. A Trial of Student Self-Sponsored Peer-to-Peer Lending Based on Credit Evaluation Using Big Data Analysis. Computational Intelligence and Neuroscience No. 2019 (2019), pp.1-11.
https://search.emarefa.net/detail/BIM-1129713
نمط استشهاد الجمعية الطبية الأمريكية (AMA)
Hou, Yujiao& Ma, Xiaofeng& Mei, Guang& Wang, Ning& Wei-sheng, Xu. A Trial of Student Self-Sponsored Peer-to-Peer Lending Based on Credit Evaluation Using Big Data Analysis. Computational Intelligence and Neuroscience. 2019. Vol. 2019, no. 2019, pp.1-11.
https://search.emarefa.net/detail/BIM-1129713
نوع البيانات
مقالات
لغة النص
الإنجليزية
الملاحظات
Includes bibliographical references
رقم السجل
BIM-1129713
قاعدة معامل التأثير والاستشهادات المرجعية العربي "ارسيف Arcif"
أضخم قاعدة بيانات عربية للاستشهادات المرجعية للمجلات العلمية المحكمة الصادرة في العالم العربي
تقوم هذه الخدمة بالتحقق من التشابه أو الانتحال في الأبحاث والمقالات العلمية والأطروحات الجامعية والكتب والأبحاث باللغة العربية، وتحديد درجة التشابه أو أصالة الأعمال البحثية وحماية ملكيتها الفكرية. تعرف اكثر