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Research on P2P Credit Risk Assessment Model Based on RBM Feature Extraction—Take SME Customers as an Example
2019
Open Journal of Business and Management
This paper combines the nonlinear dimensionality reduction method, and the Restricted Boltzmann machine (RBM algorithm), to assess the credit risk of P2P borrowers. After screening and processing many big data indicators, the most representative indicators are selected to build the P2P customer credit risk assessment model. In addition, after comparing the advantages and disadvantages of linear dimensionality reduction algorithm and nonlinear dimensionality reduction algorithm, this paper
doi:10.4236/ojbm.2019.74107
fatcat:ezl4by6u35dd5npypdimuuga6a