Matches in SemOpenAlex for { <https://semopenalex.org/work/W2339126162> ?p ?o ?g. }
Showing items 1 to 93 of
93
with 100 items per page.
- W2339126162 abstract "Online lending provides a means of fast financing for borrowers based on their creditworthiness. However, borrowers may undermine this agreement due to early repayment or default, which are two major concerns for the platform and lenders, since both affect the profitability of a loan. While default risk is frequently focused on in credit scoring literature, prepayment has received much less attention, despite a higher prepayment rate being observed in online lending when compared with default. This paper uses multivariate logistic regression to predict the probability of both the underlying prepayment and default risk. Real consumer lending data of 160,956 unsecured loans provides evidence that these two events have their own distinct patterns. The model, incorporating macroeconomic factors, also addresses the influence of economic conditions which cannot be ignored since the last financial crisis. The out-of-sample prediction results have shown that both prepayment and default can be accurately predicted." @default.
- W2339126162 created "2016-06-24" @default.
- W2339126162 creator A5019861049 @default.
- W2339126162 creator A5042361412 @default.
- W2339126162 creator A5049328355 @default.
- W2339126162 creator A5053556817 @default.
- W2339126162 date "2016-01-01" @default.
- W2339126162 modified "2023-10-14" @default.
- W2339126162 title "Prepayment and Default of Consumer Loans in Online Lending" @default.
- W2339126162 cites W1581787203 @default.
- W2339126162 cites W1940039272 @default.
- W2339126162 cites W1965723621 @default.
- W2339126162 cites W1973646566 @default.
- W2339126162 cites W1977009091 @default.
- W2339126162 cites W1980573833 @default.
- W2339126162 cites W1980770954 @default.
- W2339126162 cites W1984482035 @default.
- W2339126162 cites W1989137294 @default.
- W2339126162 cites W1992751099 @default.
- W2339126162 cites W1992958333 @default.
- W2339126162 cites W1997831604 @default.
- W2339126162 cites W2013985763 @default.
- W2339126162 cites W2026919326 @default.
- W2339126162 cites W2041844120 @default.
- W2339126162 cites W2046260364 @default.
- W2339126162 cites W2058988827 @default.
- W2339126162 cites W2060778375 @default.
- W2339126162 cites W2086618172 @default.
- W2339126162 cites W2095628874 @default.
- W2339126162 cites W2111103142 @default.
- W2339126162 cites W2162397980 @default.
- W2339126162 cites W2166538681 @default.
- W2339126162 cites W2168123127 @default.
- W2339126162 cites W2168583760 @default.
- W2339126162 cites W2506619760 @default.
- W2339126162 cites W3020973247 @default.
- W2339126162 cites W3121687468 @default.
- W2339126162 cites W3121955125 @default.
- W2339126162 cites W3121981579 @default.
- W2339126162 cites W3122891612 @default.
- W2339126162 cites W3123256822 @default.
- W2339126162 cites W3124284538 @default.
- W2339126162 cites W3124786382 @default.
- W2339126162 cites W3125798049 @default.
- W2339126162 cites W3126088116 @default.
- W2339126162 cites W3126134856 @default.
- W2339126162 doi "https://doi.org/10.2139/ssrn.2740858" @default.
- W2339126162 hasPublicationYear "2016" @default.
- W2339126162 type Work @default.
- W2339126162 sameAs 2339126162 @default.
- W2339126162 citedByCount "2" @default.
- W2339126162 countsByYear W23391261622017 @default.
- W2339126162 countsByYear W23391261622018 @default.
- W2339126162 crossrefType "journal-article" @default.
- W2339126162 hasAuthorship W2339126162A5019861049 @default.
- W2339126162 hasAuthorship W2339126162A5042361412 @default.
- W2339126162 hasAuthorship W2339126162A5049328355 @default.
- W2339126162 hasAuthorship W2339126162A5053556817 @default.
- W2339126162 hasConcept C10138342 @default.
- W2339126162 hasConcept C112698675 @default.
- W2339126162 hasConcept C130424004 @default.
- W2339126162 hasConcept C144133560 @default.
- W2339126162 hasConcept C162118730 @default.
- W2339126162 hasConcept C162324750 @default.
- W2339126162 hasConcept C556758197 @default.
- W2339126162 hasConcept C69637215 @default.
- W2339126162 hasConcept C73283319 @default.
- W2339126162 hasConceptScore W2339126162C10138342 @default.
- W2339126162 hasConceptScore W2339126162C112698675 @default.
- W2339126162 hasConceptScore W2339126162C130424004 @default.
- W2339126162 hasConceptScore W2339126162C144133560 @default.
- W2339126162 hasConceptScore W2339126162C162118730 @default.
- W2339126162 hasConceptScore W2339126162C162324750 @default.
- W2339126162 hasConceptScore W2339126162C556758197 @default.
- W2339126162 hasConceptScore W2339126162C69637215 @default.
- W2339126162 hasConceptScore W2339126162C73283319 @default.
- W2339126162 hasLocation W23391261621 @default.
- W2339126162 hasOpenAccess W2339126162 @default.
- W2339126162 hasPrimaryLocation W23391261621 @default.
- W2339126162 hasRelatedWork W154017568 @default.
- W2339126162 hasRelatedWork W2081035952 @default.
- W2339126162 hasRelatedWork W2254581940 @default.
- W2339126162 hasRelatedWork W2285226894 @default.
- W2339126162 hasRelatedWork W2373177063 @default.
- W2339126162 hasRelatedWork W2384488286 @default.
- W2339126162 hasRelatedWork W2767749397 @default.
- W2339126162 hasRelatedWork W2912749755 @default.
- W2339126162 hasRelatedWork W2980887652 @default.
- W2339126162 hasRelatedWork W3138499121 @default.
- W2339126162 isParatext "false" @default.
- W2339126162 isRetracted "false" @default.
- W2339126162 magId "2339126162" @default.
- W2339126162 workType "article" @default.