Credit risk assessment is a crucial element in credit risk management. With the extensive
research on consumer credit risk assessment in recent decades, the abundance of literature …

Financial threats are displaying a trend about the credit risk of commercial banks as the
incredible improvement in the financial industry has arisen. In this way, one of the biggest …

Credit scoring is an important tool for banks and lending companies to realize credit risk
exposure management and gain profits. GBDTs, a group of boosting-type ensemble …

Abstract Peer-to-peer (P2P) lending is a market with significant growth in recent years. We
review the academic literature published during the last decade on P2P lending to identify …

Using data from Renrendai and three machine learning algorithms, namely, k-nearest
neighbor, support vector machine, and random forest, we predicted the default probability of …

Abstract Peer-to-peer (P2P) Lending is a type of financial innovation that offers loans without
intermediaries to individuals and companies. In the P2P lending system, there is a risk of …

This paper uses a multidimensional descriptive analysis to familiarize the reader with the
extent of penetration of big data, artificial intelligence (AI) and machine learning (ML) …

For the emerging peer-to-peer (P2P) lending markets to survive, they need to employ credit-
risk management practices such that an investor base is profitable in the long run …

Owing to the convenience of online loans, an increasing number of people are borrowing
money on online platforms. With the emergence of machine learning technology, predicting …

As the global temperature continues to rise, people have become increasingly concerned
about global climate change. In order to help China to effectively develop a carbon peak …