Besides traditional methods of loan evaluation, machine learning has gained increased attention and has achieved better performance for P2P lending, espe- cially regarding the Random Forest approach. However, th
Genetic algorithm based model for optimizing bank lending decisions. Expert Syst. Appl. 2017, 80, 75-82.Metawa, N.; Hassan, M.K.; Elhoseny, M. Genetic algorithm based model for optimizing bank lending decisions. Expert Syst. Appl. 2017, 80, 75-82. [CrossRef]...
The request of effective credit scoring models is rising in these last decades, due to the increase of consumer lending. Their objective is to divide the loan applicants into two classes, reliable or unreliable, on the basis of the available information. The linear discriminant analysis is one ...
This paper proposes an efficient, GA-based model to maximize bank profit in lending decision. In our proposed method, the lending decision is dynamically decided based on customer’s loan characteristics. With the assumption that all customers are applicable (good) to get the required loan, GA ...
Asset Based Lending Celebrates 15 Years of Redefining Private Lending, Unveils New Brand Identity CIBC Innovation Banking Provides ContactMonkey with Growth Capital Financing Crestline Raises $3.5B for Fourth Flagship Direct Lending Fund Comments From Our MembersYou...
With the continuous development of big data technology, the data of online lending platform witness explosive development. How to give full play to the advantages of data, establish a credit risk assessment model, and realize the effective control of platform credit risk have become the focus of ...
In order to further explore the efficiency status of each lending platform and the reasons for its inefficiency, the efficiency pedigree was drawn according to the pure technical efficiency value and scale efficiency value of the platform [3]. Paula proposed a model integrating fault tree analysis,...
How many copies available for lending. Note: Different books with the same title cannot share the same author. Functionality Your system should provide at least 5 types of functions including: input, update, delete, display and search book information: ...
data bias was identified as the root of unfair treatment because of data collected from different institutions with different characteristics. The section was divided into lending and credit-scoring models. Fair algorithms proposed for loan approval were reviewed, considering the effect of fair detection...
The influence of borrower's descriptive information on investor decision-making based on the analysis of online lending and online lending platform Econ. Res., 49 (S1) (2014), pp. 143-155 CrossrefGoogle Scholar Ma et al., 2018 X. Ma, J. Sha, X. Niu Design and application of credit ...