{"id":"https://openalex.org/W3025393226","doi":"https://doi.org/10.1080/01605682.2019.1705193","title":"Multi-class misclassification cost matrix for credit ratings in peer-to-peer lending","display_name":"Multi-class misclassification cost matrix for credit ratings in peer-to-peer lending","publication_year":2020,"publication_date":"2020-05-12","ids":{"openalex":"https://openalex.org/W3025393226","doi":"https://doi.org/10.1080/01605682.2019.1705193","mag":"3025393226"},"language":"en","primary_location":{"id":"doi:10.1080/01605682.2019.1705193","is_oa":true,"landing_page_url":"https://doi.org/10.1080/01605682.2019.1705193","pdf_url":"https://www.tandfonline.com/doi/pdf/10.1080/01605682.2019.1705193?needAccess=true","source":{"id":"https://openalex.org/S169988927","display_name":"Journal of the Operational Research Society","issn_l":"0160-5682","issn":["0160-5682","1476-9360"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319703","host_organization_name":"Palgrave Macmillan","host_organization_lineage":["https://openalex.org/P4310319703","https://openalex.org/P4310319965"],"host_organization_lineage_names":["Palgrave Macmillan","Springer Nature"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of the Operational Research Society","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://www.tandfonline.com/doi/pdf/10.1080/01605682.2019.1705193?needAccess=true","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5101462431","display_name":"Haomin Wang","orcid":"https://orcid.org/0000-0001-6541-9062"},"institutions":[{"id":"https://openalex.org/I150229711","display_name":"University of Electronic Science and Technology of China","ror":"https://ror.org/04qr3zq92","country_code":"CN","type":"education","lineage":["https://openalex.org/I150229711"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Haomin Wang","raw_affiliation_strings":["School of Management and Economics, University of Electronic Science and Technology of China, Chengdu, China"],"affiliations":[{"raw_affiliation_string":"School of Management and Economics, University of Electronic Science and Technology of China, Chengdu, China","institution_ids":["https://openalex.org/I150229711"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5073973267","display_name":"Gang Kou","orcid":"https://orcid.org/0000-0002-9220-8647"},"institutions":[{"id":"https://openalex.org/I204831749","display_name":"Southwestern University of Finance and Economics","ror":"https://ror.org/04ewct822","country_code":"CN","type":"education","lineage":["https://openalex.org/I204831749"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Gang Kou","raw_affiliation_strings":["School of Business Administration, Southwestern University of Finance and Economics, Chengdu, China"],"affiliations":[{"raw_affiliation_string":"School of Business Administration, Southwestern University of Finance and Economics, Chengdu, China","institution_ids":["https://openalex.org/I204831749"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5039086738","display_name":"Yi Peng","orcid":"https://orcid.org/0000-0003-0373-6665"},"institutions":[{"id":"https://openalex.org/I150229711","display_name":"University of Electronic Science and Technology of China","ror":"https://ror.org/04qr3zq92","country_code":"CN","type":"education","lineage":["https://openalex.org/I150229711"]}],"countries":["CN"],"is_corresponding":true,"raw_author_name":"Yi Peng","raw_affiliation_strings":["School of Management and Economics, University of Electronic Science and Technology of China, Chengdu, China"],"affiliations":[{"raw_affiliation_string":"School of Management and Economics, University of Electronic Science and Technology of China, Chengdu, China","institution_ids":["https://openalex.org/I150229711"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5039086738"],"corresponding_institution_ids":["https://openalex.org/I150229711"],"apc_list":null,"apc_paid":null,"fwci":27.3263,"has_fulltext":false,"cited_by_count":115,"citation_normalized_percentile":{"value":0.99770838,"is_in_top_1_percent":true,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":99,"max":100},"biblio":{"volume":"72","issue":"4","first_page":"923","last_page":"934"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9991999864578247,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9991999864578247,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11652","display_name":"Imbalanced Data Classification Techniques","score":0.9980000257492065,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9955000281333923,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/profitability-index","display_name":"Profitability index","score":0.6167395114898682},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.5176246762275696},{"id":"https://openalex.org/keywords/credit-rating","display_name":"Credit rating","score":0.4939330220222473},{"id":"https://openalex.org/keywords/actuarial-science","display_name":"Actuarial science","score":0.43751347064971924},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.4099135994911194},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.35270023345947266}],"concepts":[{"id":"https://openalex.org/C129361004","wikidata":"https://www.wikidata.org/wiki/Q2470236","display_name":"Profitability index","level":2,"score":0.6167395114898682},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.5176246762275696},{"id":"https://openalex.org/C205208723","wikidata":"https://www.wikidata.org/wiki/Q372765","display_name":"Credit rating","level":2,"score":0.4939330220222473},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.43751347064971924},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4099135994911194},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.35270023345947266}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1080/01605682.2019.1705193","is_oa":true,"landing_page_url":"https://doi.org/10.1080/01605682.2019.1705193","pdf_url":"https://www.tandfonline.com/doi/pdf/10.1080/01605682.2019.1705193?needAccess=true","source":{"id":"https://openalex.org/S169988927","display_name":"Journal of the Operational Research Society","issn_l":"0160-5682","issn":["0160-5682","1476-9360"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319703","host_organization_name":"Palgrave Macmillan","host_organization_lineage":["https://openalex.org/P4310319703","https://openalex.org/P4310319965"],"host_organization_lineage_names":["Palgrave Macmillan","Springer Nature"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of the Operational Research Society","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:taf:tjorxx:v:72:y:2021:i:4:p:923-934","is_oa":false,"landing_page_url":"http://hdl.handle.net/10.1080/01605682.2019.1705193","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"}],"best_oa_location":{"id":"doi:10.1080/01605682.2019.1705193","is_oa":true,"landing_page_url":"https://doi.org/10.1080/01605682.2019.1705193","pdf_url":"https://www.tandfonline.com/doi/pdf/10.1080/01605682.2019.1705193?needAccess=true","source":{"id":"https://openalex.org/S169988927","display_name":"Journal of the Operational Research Society","issn_l":"0160-5682","issn":["0160-5682","1476-9360"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319703","host_organization_name":"Palgrave Macmillan","host_organization_lineage":["https://openalex.org/P4310319703","https://openalex.org/P4310319965"],"host_organization_lineage_names":["Palgrave Macmillan","Springer Nature"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of the Operational Research Society","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/8","score":0.5299999713897705,"display_name":"Decent work and economic growth"}],"awards":[{"id":"https://openalex.org/G198862241","display_name":null,"funder_award_id":"#71725001","funder_id":"https://openalex.org/F4320321001","funder_display_name":"National Natural Science Foundation of China"},{"id":"https://openalex.org/G3735047442","display_name":null,"funder_award_id":"#71971042","funder_id":"https://openalex.org/F4320321001","funder_display_name":"National Natural Science Foundation of China"},{"id":"https://openalex.org/G7146714155","display_name":null,"funder_award_id":"#U1811462","funder_id":"https://openalex.org/F4320321001","funder_display_name":"National Natural Science Foundation of China"},{"id":"https://openalex.org/G8844077472","display_name":null,"funder_award_id":"#71771037","funder_id":"https://openalex.org/F4320321001","funder_display_name":"National Natural Science Foundation of China"}],"funders":[{"id":"https://openalex.org/F4320321001","display_name":"National Natural Science Foundation of China","ror":"https://ror.org/01h0zpd94"}],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3025393226.pdf","grobid_xml":"https://content.openalex.org/works/W3025393226.grobid-xml"},"referenced_works_count":48,"referenced_works":["https://openalex.org/W430137803","https://openalex.org/W1964346230","https://openalex.org/W1973982793","https://openalex.org/W1996831100","https://openalex.org/W1998736688","https://openalex.org/W2009708022","https://openalex.org/W2012782729","https://openalex.org/W2016361990","https://openalex.org/W2024428474","https://openalex.org/W2032435122","https://openalex.org/W2035983439","https://openalex.org/W2058732827","https://openalex.org/W2078251337","https://openalex.org/W2085083199","https://openalex.org/W2089344127","https://openalex.org/W2112627523","https://openalex.org/W2131816657","https://openalex.org/W2133064331","https://openalex.org/W2135485260","https://openalex.org/W2148125134","https://openalex.org/W2159078967","https://openalex.org/W2160797051","https://openalex.org/W2161693416","https://openalex.org/W2185712725","https://openalex.org/W2208635417","https://openalex.org/W2214478205","https://openalex.org/W2223267428","https://openalex.org/W2226735372","https://openalex.org/W2473172823","https://openalex.org/W2490733366","https://openalex.org/W2497177424","https://openalex.org/W2518272248","https://openalex.org/W2560858617","https://openalex.org/W2577871063","https://openalex.org/W2586620891","https://openalex.org/W2603180544","https://openalex.org/W2621230218","https://openalex.org/W2700766797","https://openalex.org/W2747436277","https://openalex.org/W2765458100","https://openalex.org/W2766544915","https://openalex.org/W2779931100","https://openalex.org/W2808812540","https://openalex.org/W2905141771","https://openalex.org/W3101492713","https://openalex.org/W3126032681","https://openalex.org/W4253721364","https://openalex.org/W4256361765"],"related_works":["https://openalex.org/W3125099825","https://openalex.org/W2066844180","https://openalex.org/W25115902","https://openalex.org/W2753408573","https://openalex.org/W4285147705","https://openalex.org/W1986338457","https://openalex.org/W4253553932","https://openalex.org/W4293192099","https://openalex.org/W3132513730","https://openalex.org/W2984525013"],"abstract_inverted_index":{"Online":[0],"peer-to-peer":[1],"(P2P)":[2],"lending":[3,55,124],"is":[4,35,117,187],"a":[5,75,126,133,142],"new":[6],"form":[7],"of":[8,33,86,95,102,114,144,167,194],"loans.":[9],"Different":[10],"from":[11,92,158],"traditional":[12],"banks,":[13],"lenders":[14,45],"provide":[15],"loans":[16,26,34],"to":[17,37,118,148,163],"borrowers":[18],"directly":[19],"through":[20],"P2P":[21,25,54,70,83,123,138,195],"platforms.":[22,47,196],"Since":[23],"many":[24],"are":[27,51,58,74],"unsecured":[28],"personal":[29],"loans,":[30],"credit":[31,60,104,120,139],"rating":[32,121],"vital":[36],"control":[38],"default":[39],"risk":[40],"and":[41,46,62,98,109,146,192],"improve":[42],"profit":[43],"for":[44,137,189],"Standard":[48],"binary":[49],"classifiers":[50,81,179],"inappropriate":[52],"in":[53,69,82,122],"because":[56],"there":[57,73],"multiple":[59],"classes":[61,68],"misclassification":[63,100,134,170],"costs":[64,101],"vary":[65],"largely":[66],"across":[67],"lending.":[71],"Though":[72],"few":[76],"works":[77],"that":[78,176],"studied":[79],"cost-sensitive":[80,127,178],"lending,":[84],"none":[85],"them":[87],"have":[88],"analyzed":[89],"this":[90,115],"issue":[91],"the":[93,150,165,168,177,183,190],"perspective":[94],"multi-class":[96,128],"classifications":[97],"measured":[99],"different":[103],"grades":[105],"using":[106,154],"real":[107],"losses":[108],"opportunity":[110],"costs.":[111,151],"The":[112,173],"objective":[113],"paper":[116],"model":[119],"as":[125],"classification":[129],"problem.":[130],"We":[131],"proposed":[132,169],"cost":[135,171],"matrix":[136],"grading":[140],"with":[141],"set":[143],"equations":[145],"models":[147],"calculate":[149],"An":[152],"experiment":[153],"publicly":[155],"available":[156],"data":[157],"Lending":[159],"Club":[160],"was":[161],"conducted":[162],"validate":[164],"usefulness":[166],"matrix.":[172],"results":[174],"showed":[175],"can":[180],"significantly":[181],"reduce":[182],"total":[184],"cost,":[185],"which":[186],"essential":[188],"survival":[191],"profitability":[193]},"counts_by_year":[{"year":2026,"cited_by_count":4},{"year":2025,"cited_by_count":10},{"year":2024,"cited_by_count":19},{"year":2023,"cited_by_count":19},{"year":2022,"cited_by_count":23},{"year":2021,"cited_by_count":27},{"year":2020,"cited_by_count":13}],"updated_date":"2026-03-27T14:29:43.386196","created_date":"2025-10-10T00:00:00"}
