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- W1992093889 abstract "Recent years have witnessed increased attention on peer-to-peer (P2P) lending, which provides an alternative way of financing without the involvement of traditional financial institutions. A key challenge for personal investors in P2P lending marketplaces is the effective allocation of their money across different loans by accurately assessing the credit risk of each loan. Traditional rating-based assessment models cannot meet the needs of individual investors in P2P lending, since they do not provide an explicit mechanism for asset allocation. In this study, we propose a data-driven investment decision-making framework for this emerging market. We designed an instance-based credit risk assessment model, which has the ability of evaluating the return and risk of each individual loan. Moreover, we formulated the investment decision in P2P lending as a portfolio optimization problem with boundary constraints. To validate the proposed model, we performed extensive experiments on real-world datasets from two notable P2P lending marketplaces. Experimental results revealed that the proposed model can effectively improve investment performances compared with existing methods in P2P lending." @default.
- W1992093889 created "2016-06-24" @default.
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- W1992093889 date "2008-10-01" @default.
- W1992093889 modified "2023-10-17" @default.
- W1992093889 title "The TiO2 conference circuit: Perth, Moscow, Singapore, Athens & back to Perth again" @default.
- W1992093889 doi "https://doi.org/10.1016/s0969-6210(08)70227-3" @default.
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