A Decision Support System for Borrower's Loan in P2P Lending

被引：20

作者：

Wu, Jinghua ^{[1
,2
]}

Xu, Yun ^{[2
,3
]}

机构：

[1] Sichuan Agr Univ, Sch Informat & Engn Technol, Yaan 625014, Sichuan, Peoples R China

[2] Southwestern Univ Finance & Econ, Sch Econ Informat Engn, Chengdu 610074, Sichuan, Peoples R China

[3] Southwestern Univ Finance & Econ, Prov Key Lab Financial Intelligence & Financial E, Chengdu 610074, Sichuan, Peoples R China

来源：

JOURNAL OF COMPUTERS | 2011年 / 6卷 / 06期

关键词：

online P2P lending; loan recommendation; decision support system; intelligent agent system;

D O I：

10.4304/jcp.6.6.1183-1190

中图分类号：

TP39 [计算机的应用];

学科分类号：

081203 ; 0835 ;

摘要：

Recently, P2P lending has become a hot research topic in finance, especially after the global financial crisis. Most existing research did not consider the efficiency from the borrowers' perspective. This paper proposes a decision support system based on intelligent agents in P2P Lending for borrowers. The system provides borrowers with individual risk assessment, eligible lender search, lending combination and loan recommendation. The system is developed in JADE and evaluated with the PROSPER's sample data. The result shows that, the model can meet borrower's needs better and help borrower getting loan more efficiently. Furthermore, it contributes to finance industry by accelerating the funds flow and does favor to economic recovery.

引用

页码：1183 / 1190

页数：8