Yatao Yang, Zibin Zheng, Chunzhen Huang, Kunmin Li, Hong-Ning Dai
In: Wang S., Zhou A. (eds) Collaborate Computing: Networking, Applications and Worksharing. CollaborateCom 2016. Lecture Notes of the Institute for Computer Sciences, Social Informatics and Telecommunications Engineering, vol 201. Springer, Cham
Publication year: 2016

Internet loan business has received extensive attentions recently. How to provide lenders with accurate credit scoring profiles of borrowers becomes a challenge due to the tremendous amount of loan requests and the limited information of borrowers. However, existing approaches are not suitable to Internet loan business due to the unique features of individual credit data. In this paper, we propose a unified data mining framework consisting of feature transformation, feature selection and hybrid model to solve the above challenges. Extensive experiment results on realistic datasets show that our proposed framework is an effective solution.

Peer-to-Pear (P2P) Loan; China; Finance; Internet Loan Business; Data Analytics