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Peer-to-Peer (P2P) lending has attracted increasing attention recently. As an emerging micro-finance platform, P2P lending plays roles in removing intermediaries, reducing transaction costs, and increasing the benefits of both borrowers and lenders. However, for the P2P lending investment, there are two major challenges, the deficiency of loans' historical observations about the certain borrower and the ambiguity problem of estimated loans' distribution. In order to solve the difficulties, thisdoi:10.1155/2019/1902970 fatcat:mlzibhzvqbdo3i33yhcwnc6hue