Guo, Yanhong; Jiang, Shuai; Zhou, Wenjun; Luo, Chunyu; … - In: Financial innovation : FIN 7 (2021), pp. 1-24
Most loan evaluation methods in peer-to-peer (P2P) lending mainly exploit the borrowers’ credit information. However, the present study presents the maturity-based lender composition score, which exploits the investment capability of a group of lenders who fund the same loan, to enhance the...