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P2P Lending Default Prediction Based on AI and Statistical Models
2022
Entropy
Peer-to-peer lending (P2P lending) has proliferated in recent years thanks to Fintech and big data advancements. However, P2P lending platforms are not tightly governed by relevant laws yet, as their development speed has far exceeded that of regulations. Therefore, P2P lending operations are still subject to risks. This paper proposes prediction models to mitigate the risks of default and asymmetric information on P2P lending platforms. Specifically, we designed sophisticated procedures to
doi:10.3390/e24060801
pmid:35741522
pmcid:PMC9222552
fatcat:qhxy6nqtt5fbhje44if63zsrki