Study on Evaluation Model of Chinese P2P Online Lending Platform Based on Hybrid Kernel Support Vector Machine
Joint Authors
Pan, Hao
Wei, Jianguo
Pan, Shuang
Source
Issue
Vol. 2020, Issue 2020 (31 Dec. 2020), pp.1-7, 7 p.
Publisher
Hindawi Publishing Corporation
Publication Date
2020-05-08
Country of Publication
Egypt
No. of Pages
7
Main Subjects
Abstract EN
Accurate evaluation of the risk level and operation performances of P2P online lending platforms is not only conducive to better functioning of information intermediaries but also effective protection of investors’ interests.
This paper proposes a genetic algorithm (GA) improved hybrid kernel support vector machine (SVM) with an index system to construct such an evaluation model.
A hybrid kernel consisting of polynomial function and radial basis function is improved, specifically kernel parameters and the weight of two kernels, by GA method with excellent global optimization and rapid convergence.
Empirical testing based on cross-sectional data from Chinese P2P lending market demonstrates the superiority of the improved hybrid kernel SVM model.
The classification accuracy of credit risk level and operation quality is higher than the single kernel SVM model as well as the hybrid kernel model with empirical parameter values.
American Psychological Association (APA)
Pan, Shuang& Wei, Jianguo& Pan, Hao. 2020. Study on Evaluation Model of Chinese P2P Online Lending Platform Based on Hybrid Kernel Support Vector Machine. Scientific Programming،Vol. 2020, no. 2020, pp.1-7.
https://search.emarefa.net/detail/BIM-1209022
Modern Language Association (MLA)
Pan, Shuang…[et al.]. Study on Evaluation Model of Chinese P2P Online Lending Platform Based on Hybrid Kernel Support Vector Machine. Scientific Programming No. 2020 (2020), pp.1-7.
https://search.emarefa.net/detail/BIM-1209022
American Medical Association (AMA)
Pan, Shuang& Wei, Jianguo& Pan, Hao. Study on Evaluation Model of Chinese P2P Online Lending Platform Based on Hybrid Kernel Support Vector Machine. Scientific Programming. 2020. Vol. 2020, no. 2020, pp.1-7.
https://search.emarefa.net/detail/BIM-1209022
Data Type
Journal Articles
Language
English
Notes
Includes bibliographical references
Record ID
BIM-1209022