Evaluating the well-qualified borrowers from PaiPaiDai

https://doi.org/10.1016/j.procs.2017.11.436Get rights and content
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Abstract

Online peer-to-peer lending is a new but useful finance method for small enterprises that is conducted on the website. In this paper, we used the existing personal information to evaluate the potential borrowers who are well-qualified. A neutral network is used to help a borrower decide whether he can successfully loan from the P2P company. Our data is obtained from the PaiPaiDai website and is preprocessed proficiently. Our experimental results show that our method can achieve the precision exceeding 95%.

Keywords

PaiPaiDai
P2P
Well-qualified borrower

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