Estimation of Default Probabilities – Part 5: Integrated Models – the Credit Risk Evaluation Model

With the rapid development of the P2P (peer-to-peer) online lending industry, which is facing significant credit risk, personal credit evaluation is an important method to reduce credit risk. Based on the various indexes of personal credit risk evaluation of domestic and foreign commercial banks, and according to the characteristics of P2P online lending, this paper analyzes the factors that affect the credit risk of P2P online borrowers, introduces the unique risk factors in the field of Internet information, and constructs an index system of personal credit risk evaluation of P2P online lending, which combines qualitative and quantitative indexes, including six major indexes and 21 small indexes. It then quantifies each index and defines the judgment standard of the evaluation results. Using analytic hierarchy process (AHP), expert scoring method, and fuzzy comprehensive evaluation method, this paper establishes a personal credit risk evaluation model of P2P online lending based on AHP method. The public information of two borrowers on the “PaiPai Lending” platform are selected for experimental verification. The results show that the improved personal credit risk evaluation model has better applicability and can evaluate the borrower’s credit status more scientifically, accurately, and comprehensively; thus, it is an effective method of personal credit risk evaluation of P2P online lending.

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Financial credit risk evaluation model using machine learning-based approach

World Review of Entrepreneurship Management and Sustainable Development ◽

10.1504/wremsd.2020.111383 ◽

2020 ◽

Vol 16 (6) ◽

pp. 576

Author(s):

Pankaj Kumar Jadwal ◽

Sonal Jain ◽

Basant Agarwal

Keyword(s):

Machine Learning ◽

Credit Risk ◽

Risk Evaluation ◽

Evaluation Model ◽

Financial Credit ◽

Risk Evaluation Model

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Faculty Opinions recommendation of Establishing a perinatal red blood cell transfusion risk evaluation model for obstetric patients: a retrospective cohort study.

Faculty Opinions – Post-Publication Peer Review of the Biomedical Literature ◽

10.3410/f.735158211.793557144 ◽

2019 ◽

Author(s):

Davide Cattano

Keyword(s):

Cohort Study ◽

Blood Cell ◽

Red Blood Cell ◽

Retrospective Cohort Study ◽

Risk Evaluation ◽

Retrospective Cohort ◽

Evaluation Model ◽

Red Blood Cell Transfusion ◽

Risk Evaluation Model

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Estimation of Default Probabilities Part 5: Integrated Models the Credit Risk Evaluation Model

Credit risk Evaluation Model Based on Self-Organizing Competitive Network

Research on credit risk evaluation model based on LVQ neural network

Neural network credit-risk evaluation model based on back-propagation algorithm

A new deep learning ensemble credit risk evaluation model with an improved synthetic minority oversampling technique

Financial credit risk evaluation model using machine learning-based approach

Credit risk evaluation model with textual features from loan descriptions for P2P lending

Credit Risk Evaluation Model Development Using Support Vector Based Classifiers

Personal Credit Risk Evaluation Model of P2P Online Lending Based on AHP

Financial credit risk evaluation model using machine learning-based approach

Faculty Opinions recommendation of Establishing a perinatal red blood cell transfusion risk evaluation model for obstetric patients: a retrospective cohort study.

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Estimation of Default Probabilities  Part 5: Integrated Models  the Credit Risk Evaluation Model

Credit risk Evaluation Model Based on Self-Organizing Competitive Network

Research on credit risk evaluation model based on LVQ neural network

Neural network credit-risk evaluation model based on back-propagation algorithm

A new deep learning ensemble credit risk evaluation model with an improved synthetic minority oversampling technique

Financial credit risk evaluation model using machine learning-based approach

Credit risk evaluation model with textual features from loan descriptions for P2P lending

Credit Risk Evaluation Model Development Using Support Vector Based Classifiers

Personal Credit Risk Evaluation Model of P2P Online Lending Based on AHP

Financial credit risk evaluation model using machine learning-based approach

Faculty Opinions recommendation of Establishing a perinatal red blood cell transfusion risk evaluation model for obstetric patients: a retrospective cohort study.

Estimation of Default Probabilities Part 5: Integrated Models the Credit Risk Evaluation Model