{"id":"https://openalex.org/W3005222020","doi":"https://doi.org/10.1109/mis.2020.2971946","title":"A Data-Analytics Approach for Risk Evaluation in Peer-to-Peer Lending Platforms","display_name":"A Data-Analytics Approach for Risk Evaluation in Peer-to-Peer Lending Platforms","publication_year":2020,"publication_date":"2020-02-06","ids":{"openalex":"https://openalex.org/W3005222020","doi":"https://doi.org/10.1109/mis.2020.2971946","mag":"3005222020"},"language":"en","primary_location":{"id":"doi:10.1109/mis.2020.2971946","is_oa":false,"landing_page_url":"https://doi.org/10.1109/mis.2020.2971946","pdf_url":null,"source":{"id":"https://openalex.org/S114241109","display_name":"IEEE Intelligent Systems","issn_l":"1541-1672","issn":["1541-1672","1941-1294"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319808","host_organization_name":"Institute of Electrical and Electronics Engineers","host_organization_lineage":["https://openalex.org/P4310319808"],"host_organization_lineage_names":["Institute of Electrical and Electronics Engineers"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IEEE Intelligent Systems","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://ink.library.smu.edu.sg/soa_research/2084","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5061955634","display_name":"Feng He","orcid":"https://orcid.org/0000-0002-1708-0954"},"institutions":[{"id":"https://openalex.org/I193524592","display_name":"Tianjin University of Finance and Economics","ror":"https://ror.org/05ev1jb90","country_code":"CN","type":"education","lineage":["https://openalex.org/I193524592"]},{"id":"https://openalex.org/I4210088341","display_name":"University of Finance and Economics","ror":"https://ror.org/005d8s603","country_code":"MN","type":"education","lineage":["https://openalex.org/I4210088341"]}],"countries":["CN","MN"],"is_corresponding":true,"raw_author_name":"Feng He","raw_affiliation_strings":["School of FinanceTianjin University of Finance and Economics","School of Finance, Tianjin University of Finance and Economics"],"affiliations":[{"raw_affiliation_string":"School of FinanceTianjin University of Finance and Economics","institution_ids":["https://openalex.org/I4210088341"]},{"raw_affiliation_string":"School of Finance, Tianjin University of Finance and Economics","institution_ids":["https://openalex.org/I193524592"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5084391172","display_name":"Yuelei Li","orcid":"https://orcid.org/0000-0002-5606-4076"},"institutions":[{"id":"https://openalex.org/I162868743","display_name":"Tianjin University","ror":"https://ror.org/012tb2g32","country_code":"CN","type":"education","lineage":["https://openalex.org/I162868743"]},{"id":"https://openalex.org/I190731455","display_name":"Yeungjin College","ror":"https://ror.org/002ngbk13","country_code":"KR","type":"education","lineage":["https://openalex.org/I190731455"]}],"countries":["CN","KR"],"is_corresponding":false,"raw_author_name":"Yuelei Li","raw_affiliation_strings":["College of ManagementTianjin University","College of Management, Tianjin University"],"affiliations":[{"raw_affiliation_string":"College of ManagementTianjin University","institution_ids":["https://openalex.org/I190731455"]},{"raw_affiliation_string":"College of Management, Tianjin University","institution_ids":["https://openalex.org/I162868743"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5063395123","display_name":"Tiecheng Xu","orcid":"https://orcid.org/0000-0002-3849-5147"},"institutions":[{"id":"https://openalex.org/I79891267","display_name":"Singapore Management University","ror":"https://ror.org/050qmg959","country_code":"SG","type":"education","lineage":["https://openalex.org/I79891267"]}],"countries":["SG"],"is_corresponding":false,"raw_author_name":"Tiecheng Xu","raw_affiliation_strings":["School of AccountancySingapore Management University","School of Accountancy, Singapore Management University"],"affiliations":[{"raw_affiliation_string":"School of AccountancySingapore Management University","institution_ids":["https://openalex.org/I79891267"]},{"raw_affiliation_string":"School of Accountancy, Singapore Management University","institution_ids":["https://openalex.org/I79891267"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5027603213","display_name":"Libo Yin","orcid":"https://orcid.org/0000-0003-0193-6735"},"institutions":[{"id":"https://openalex.org/I137867983","display_name":"Central University of Finance and Economics","ror":"https://ror.org/008e3hf02","country_code":"CN","type":"education","lineage":["https://openalex.org/I137867983"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Libo Yin","raw_affiliation_strings":["Central University of Finance and Economics"],"affiliations":[{"raw_affiliation_string":"Central University of Finance and Economics","institution_ids":["https://openalex.org/I137867983"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5100441730","display_name":"Wei Zhang","orcid":"https://orcid.org/0000-0002-9756-9994"},"institutions":[{"id":"https://openalex.org/I162868743","display_name":"Tianjin University","ror":"https://ror.org/012tb2g32","country_code":"CN","type":"education","lineage":["https://openalex.org/I162868743"]},{"id":"https://openalex.org/I4210096655","display_name":"Samjin Pharm (South Korea)","ror":"https://ror.org/00t3nxd66","country_code":"KR","type":"company","lineage":["https://openalex.org/I4210096655"]}],"countries":["CN","KR"],"is_corresponding":false,"raw_author_name":"Wei Zhang","raw_affiliation_strings":["College of Management and EconomicsTianjin University","College of Management and Economics, Tianjin University"],"affiliations":[{"raw_affiliation_string":"College of Management and EconomicsTianjin University","institution_ids":["https://openalex.org/I4210096655"]},{"raw_affiliation_string":"College of Management and Economics, Tianjin University","institution_ids":["https://openalex.org/I162868743"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5100710626","display_name":"Xiaotao Zhang","orcid":"https://orcid.org/0000-0002-0123-025X"},"institutions":[{"id":"https://openalex.org/I162868743","display_name":"Tianjin University","ror":"https://ror.org/012tb2g32","country_code":"CN","type":"education","lineage":["https://openalex.org/I162868743"]},{"id":"https://openalex.org/I190731455","display_name":"Yeungjin College","ror":"https://ror.org/002ngbk13","country_code":"KR","type":"education","lineage":["https://openalex.org/I190731455"]}],"countries":["CN","KR"],"is_corresponding":false,"raw_author_name":"Xiaotao Zhang","raw_affiliation_strings":["College of ManagementTianjin University","College of Management, Tianjin University"],"affiliations":[{"raw_affiliation_string":"College of ManagementTianjin University","institution_ids":["https://openalex.org/I190731455"]},{"raw_affiliation_string":"College of Management, Tianjin University","institution_ids":["https://openalex.org/I162868743"]}]}],"institutions":[],"countries_distinct_count":4,"institutions_distinct_count":6,"corresponding_author_ids":["https://openalex.org/A5061955634"],"corresponding_institution_ids":["https://openalex.org/I193524592","https://openalex.org/I4210088341"],"apc_list":null,"apc_paid":null,"fwci":4.9293,"has_fulltext":false,"cited_by_count":24,"citation_normalized_percentile":{"value":0.95065584,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":95,"max":99},"biblio":{"volume":"35","issue":"3","first_page":"85","last_page":"95"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9868000149726868,"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"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9868000149726868,"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"}},{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9178000092506409,"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"}}],"keywords":[{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.7112223505973816},{"id":"https://openalex.org/keywords/peer-to-peer","display_name":"Peer-to-peer","score":0.6382114291191101},{"id":"https://openalex.org/keywords/analytics","display_name":"Analytics","score":0.5460304617881775},{"id":"https://openalex.org/keywords/the-internet","display_name":"The Internet","score":0.5331702828407288},{"id":"https://openalex.org/keywords/warning-system","display_name":"Warning system","score":0.48911553621292114},{"id":"https://openalex.org/keywords/data-science","display_name":"Data science","score":0.4653381407260895},{"id":"https://openalex.org/keywords/risk-analysis","display_name":"Risk analysis (engineering)","score":0.4151357114315033},{"id":"https://openalex.org/keywords/computer-security","display_name":"Computer security","score":0.3512391448020935},{"id":"https://openalex.org/keywords/world-wide-web","display_name":"World Wide Web","score":0.26671358942985535},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.17975935339927673},{"id":"https://openalex.org/keywords/telecommunications","display_name":"Telecommunications","score":0.13097041845321655}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.7112223505973816},{"id":"https://openalex.org/C534932454","wikidata":"https://www.wikidata.org/wiki/Q161410","display_name":"Peer-to-peer","level":2,"score":0.6382114291191101},{"id":"https://openalex.org/C79158427","wikidata":"https://www.wikidata.org/wiki/Q485396","display_name":"Analytics","level":2,"score":0.5460304617881775},{"id":"https://openalex.org/C110875604","wikidata":"https://www.wikidata.org/wiki/Q75","display_name":"The Internet","level":2,"score":0.5331702828407288},{"id":"https://openalex.org/C29825287","wikidata":"https://www.wikidata.org/wiki/Q1427940","display_name":"Warning system","level":2,"score":0.48911553621292114},{"id":"https://openalex.org/C2522767166","wikidata":"https://www.wikidata.org/wiki/Q2374463","display_name":"Data science","level":1,"score":0.4653381407260895},{"id":"https://openalex.org/C112930515","wikidata":"https://www.wikidata.org/wiki/Q4389547","display_name":"Risk analysis (engineering)","level":1,"score":0.4151357114315033},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.3512391448020935},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.26671358942985535},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.17975935339927673},{"id":"https://openalex.org/C76155785","wikidata":"https://www.wikidata.org/wiki/Q418","display_name":"Telecommunications","level":1,"score":0.13097041845321655}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1109/mis.2020.2971946","is_oa":false,"landing_page_url":"https://doi.org/10.1109/mis.2020.2971946","pdf_url":null,"source":{"id":"https://openalex.org/S114241109","display_name":"IEEE Intelligent Systems","issn_l":"1541-1672","issn":["1541-1672","1941-1294"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319808","host_organization_name":"Institute of Electrical and Electronics Engineers","host_organization_lineage":["https://openalex.org/P4310319808"],"host_organization_lineage_names":["Institute of Electrical and Electronics Engineers"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IEEE Intelligent Systems","raw_type":"journal-article"},{"id":"pmh:oai:ink.library.smu.edu.sg:soa_research-3111","is_oa":true,"landing_page_url":"https://ink.library.smu.edu.sg/soa_research/2084","pdf_url":null,"source":{"id":"https://openalex.org/S4306401925","display_name":"Singapore Management University Institutional Knowledge (InK) (Singapore Management University)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I79891267","host_organization_name":"Singapore Management University","host_organization_lineage":["https://openalex.org/I79891267"],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"https://doi.org/10.1109/MIS.2020.2971946","raw_type":"Journal Article"}],"best_oa_location":{"id":"pmh:oai:ink.library.smu.edu.sg:soa_research-3111","is_oa":true,"landing_page_url":"https://ink.library.smu.edu.sg/soa_research/2084","pdf_url":null,"source":{"id":"https://openalex.org/S4306401925","display_name":"Singapore Management University Institutional Knowledge (InK) (Singapore Management University)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I79891267","host_organization_name":"Singapore Management University","host_organization_lineage":["https://openalex.org/I79891267"],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"https://doi.org/10.1109/MIS.2020.2971946","raw_type":"Journal Article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/9","score":0.5099999904632568,"display_name":"Industry, innovation and infrastructure"}],"awards":[{"id":"https://openalex.org/G8664735882","display_name":null,"funder_award_id":"71701106","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":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":16,"referenced_works":["https://openalex.org/W2004168223","https://openalex.org/W2092718852","https://openalex.org/W2100098186","https://openalex.org/W2114362775","https://openalex.org/W2133046612","https://openalex.org/W2162397980","https://openalex.org/W2472441007","https://openalex.org/W2625771436","https://openalex.org/W2906393807","https://openalex.org/W2945041354","https://openalex.org/W2947461565","https://openalex.org/W2965813439","https://openalex.org/W3121351342","https://openalex.org/W3123383317","https://openalex.org/W6674889547","https://openalex.org/W6677082224"],"related_works":["https://openalex.org/W2065457896","https://openalex.org/W3173234801","https://openalex.org/W2167984027","https://openalex.org/W3021302227","https://openalex.org/W10630519","https://openalex.org/W1919377569","https://openalex.org/W3144288563","https://openalex.org/W3123907821","https://openalex.org/W2382319620","https://openalex.org/W2164026370"],"abstract_inverted_index":{"The":[0,114],"goal":[1],"of":[2,10,22,54,73,91],"this":[3,67],"article":[4],"is":[5,33,134],"to":[6,59,70,87,136],"investigate":[7],"the":[8,20,45,49,71,75,80],"roles":[9],"individual":[11],"behavior":[12],"characteristics":[13],"and":[14],"Internet":[15,81],"finance":[16],"industry":[17,50,131],"risk":[18,31,62,103,120],"in":[19,41,66,143],"light":[21],"bank":[23],"run":[24],"theory":[25],"for":[26,36,106,140],"P2P.":[27],"We":[28],"know":[29],"that":[30,109,118],"evaluation":[32,104,121],"clearly":[34],"important":[35],"peer-to-peer":[37],"(P2P)":[38],"lending":[39],"platforms":[40,108],"China,":[42],"as":[43],"during":[44],"last":[46],"two":[47],"years,":[48],"has":[51],"experienced":[52],"thousands":[53],"platform":[55,129],"crashes.":[56],"Traditional":[57],"approaches":[58],"evaluate":[60],"enterprise":[61],"are":[63],"increasingly":[64],"ineffective":[65],"industry,":[68],"due":[69],"difficulty":[72],"assessing":[74],"real":[76],"information.":[77,92],"In":[78],"addition,":[79],"business":[82,142],"model":[83,105],"makes":[84],"it":[85],"possible":[86],"record":[88],"new":[89],"kinds":[90],"By":[93],"applying":[94],"a":[95],"data-driven":[96],"analytics":[97],"method,":[98],"we":[99],"build":[100],"an":[101],"intelligent":[102],"P2P":[107,141],"have":[110],"comparable":[111],"targeting":[112],"platforms.":[113],"case":[115],"study":[116],"shows":[117],"our":[119],"method":[122],"can":[123],"generate":[124],"early":[125],"warning":[126],"signals":[127],"regarding":[128],"or":[130],"risk,":[132],"which":[133],"able":[135],"provide":[137],"effective":[138],"supporting":[139],"practice.":[144]},"counts_by_year":[{"year":2025,"cited_by_count":2},{"year":2024,"cited_by_count":3},{"year":2023,"cited_by_count":7},{"year":2022,"cited_by_count":6},{"year":2021,"cited_by_count":3},{"year":2020,"cited_by_count":3}],"updated_date":"2026-04-05T17:49:38.594831","created_date":"2025-10-10T00:00:00"}
