Online peer-to-peer lending: A review of the literature
This study reviews the literature of online peer-to-peer (P2P) lending from 2008 until 2020
as an emergent but fast spreading phenomenon in the context of digital finance. Previous …
as an emergent but fast spreading phenomenon in the context of digital finance. Previous …
Graph neural network for fraud detection via spatial-temporal attention
Card fraud is an important issue and incurs a considerable cost for both cardholders and
issuing banks. Contemporary methods apply machine learning-based approaches to detect …
issuing banks. Contemporary methods apply machine learning-based approaches to detect …
A novel tree-based dynamic heterogeneous ensemble method for credit scoring
Y Xia, J Zhao, L He, Y Li, M Niu - Expert Systems with Applications, 2020 - Elsevier
Ensemble models have been extensively applied to credit scoring. However, advanced tree-
based classifiers have been seldom utilized as components of ensemble models. Moreover …
based classifiers have been seldom utilized as components of ensemble models. Moreover …
Data-driven approaches in FinTech: a survey
Purpose This paper aims to explore the latest study of the emerging data-driven approach in
the area of FinTech. This paper attempts to provide comprehensive comparisons, including …
the area of FinTech. This paper attempts to provide comprehensive comparisons, including …
Forecasting loss given default for peer-to-peer loans via heterogeneous stacking ensemble approach
Y Xia, J Zhao, L He, Y Li, X Yang - International Journal of Forecasting, 2021 - Elsevier
Abstract Peer-to-peer (P2P) lending is an emerging field in FinTech and is an alternative
source of personal loans. However, P2P lending faces severe credit risk due to high …
source of personal loans. However, P2P lending faces severe credit risk due to high …
Contagious chain risk rating for networked-guarantee loans
The small and medium-sized enterprises (SMEs) are allowed to guarantee each other and
form complex loan networks to receive loans from banks during the economic expansion …
form complex loan networks to receive loans from banks during the economic expansion …
The profitability of online loans: A competing risks analysis on default and prepayment
Traditional credit scoring models help lenders to make informed decisions in identifying
those borrowers most likely to default. We analyse over one million online loans and find …
those borrowers most likely to default. We analyse over one million online loans and find …
Multi-view representation learning with Kolmogorov-Smirnov to predict default based on imbalanced and complex dataset
Existing solutions focus on improving overall accuracy for imbalanced and complex loan
datasets, resulting in a lower precise recall for default samples. To embrace these …
datasets, resulting in a lower precise recall for default samples. To embrace these …
Delinquent events prediction in temporal networked-guarantee loans
Under debt obligation promises, small-and medium-sized enterprises (SMEs) can guarantee
each other to enhance their financial security to get loans from commercial banks. When the …
each other to enhance their financial security to get loans from commercial banks. When the …
A dynamic default prediction framework for networked-guarantee loans
Commercial banks normally require Small and Medium Enterprises (SMEs) to provide their
warranties when applying for a loan. If the borrower defaults, the guarantor is obligated to …
warranties when applying for a loan. If the borrower defaults, the guarantor is obligated to …