{"id":"https://openalex.org/W2888458960","doi":"https://doi.org/10.1155/2018/2613739","title":"Optimizing the Borrowing Limit and Interest Rate in P2P System: From Borrowers\u2019 Perspective","display_name":"Optimizing the Borrowing Limit and Interest Rate in P2P System: From Borrowers\u2019 Perspective","publication_year":2018,"publication_date":"2018-08-23","ids":{"openalex":"https://openalex.org/W2888458960","doi":"https://doi.org/10.1155/2018/2613739","mag":"2888458960"},"language":"en","primary_location":{"id":"doi:10.1155/2018/2613739","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2018/2613739","pdf_url":"https://downloads.hindawi.com/journals/sp/2018/2613739.pdf","source":{"id":"https://openalex.org/S166774750","display_name":"Scientific Programming","issn_l":"1058-9244","issn":["1058-9244","1875-919X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319869","host_organization_name":"Hindawi Publishing Corporation","host_organization_lineage":["https://openalex.org/P4310319869"],"host_organization_lineage_names":["Hindawi Publishing Corporation"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Scientific Programming","raw_type":"journal-article"},"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://downloads.hindawi.com/journals/sp/2018/2613739.pdf","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5100389147","display_name":"Zhihong Li","orcid":"https://orcid.org/0000-0001-5206-4661"},"institutions":[{"id":"https://openalex.org/I90610280","display_name":"South China University of Technology","ror":"https://ror.org/0530pts50","country_code":"CN","type":"education","lineage":["https://openalex.org/I90610280"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Zhihong Li","raw_affiliation_strings":["College of Business Administration, South China University of Technology, Guangzhou 510641, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"College of Business Administration, South China University of Technology, Guangzhou 510641, China","institution_ids":["https://openalex.org/I90610280"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5022480328","display_name":"Lanteng Wu","orcid":null},"institutions":[{"id":"https://openalex.org/I90610280","display_name":"South China University of Technology","ror":"https://ror.org/0530pts50","country_code":"CN","type":"education","lineage":["https://openalex.org/I90610280"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Lanteng Wu","raw_affiliation_strings":["College of Business Administration, South China University of Technology, Guangzhou 510641, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"College of Business Administration, South China University of Technology, Guangzhou 510641, China","institution_ids":["https://openalex.org/I90610280"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5002127426","display_name":"Hongting Tang","orcid":"https://orcid.org/0000-0001-9767-7912"},"institutions":[{"id":"https://openalex.org/I90610280","display_name":"South China University of Technology","ror":"https://ror.org/0530pts50","country_code":"CN","type":"education","lineage":["https://openalex.org/I90610280"]}],"countries":["CN"],"is_corresponding":true,"raw_author_name":"Hongting Tang","raw_affiliation_strings":["College of Business Administration, South China University of Technology, Guangzhou 510641, China"],"raw_orcid":"https://orcid.org/0000-0001-9767-7912","affiliations":[{"raw_affiliation_string":"College of Business Administration, South China University of Technology, Guangzhou 510641, China","institution_ids":["https://openalex.org/I90610280"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5002127426"],"corresponding_institution_ids":["https://openalex.org/I90610280"],"apc_list":{"value":1800,"currency":"USD","value_usd":2000},"apc_paid":{"value":1800,"currency":"USD","value_usd":2000},"fwci":1.7743,"has_fulltext":true,"cited_by_count":11,"citation_normalized_percentile":{"value":0.86410429,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":89,"max":97},"biblio":{"volume":"2018","issue":null,"first_page":"1","last_page":"14"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9998999834060669,"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":0.9998999834060669,"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/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9972000122070312,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9663000106811523,"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":0.6734102964401245},{"id":"https://openalex.org/keywords/perspective","display_name":"Perspective (graphical)","score":0.6357656717300415},{"id":"https://openalex.org/keywords/limit","display_name":"Limit (mathematics)","score":0.5739186406135559},{"id":"https://openalex.org/keywords/intermediary","display_name":"Intermediary","score":0.5319967865943909},{"id":"https://openalex.org/keywords/interest-rate","display_name":"Interest rate","score":0.5214380621910095},{"id":"https://openalex.org/keywords/genetic-algorithm","display_name":"Genetic algorithm","score":0.5128974914550781},{"id":"https://openalex.org/keywords/artificial-neural-network","display_name":"Artificial neural network","score":0.505615234375},{"id":"https://openalex.org/keywords/peer-to-peer","display_name":"Peer-to-peer","score":0.4446149468421936},{"id":"https://openalex.org/keywords/econometrics","display_name":"Econometrics","score":0.359164834022522},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.2583364248275757},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.24865463376045227},{"id":"https://openalex.org/keywords/economics","display_name":"Economics","score":0.2244926393032074},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.21185964345932007},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.20818361639976501},{"id":"https://openalex.org/keywords/distributed-computing","display_name":"Distributed computing","score":0.15871304273605347},{"id":"https://openalex.org/keywords/mathematics","display_name":"Mathematics","score":0.10692498087882996}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.6734102964401245},{"id":"https://openalex.org/C12713177","wikidata":"https://www.wikidata.org/wiki/Q1900281","display_name":"Perspective (graphical)","level":2,"score":0.6357656717300415},{"id":"https://openalex.org/C151201525","wikidata":"https://www.wikidata.org/wiki/Q177239","display_name":"Limit (mathematics)","level":2,"score":0.5739186406135559},{"id":"https://openalex.org/C139569457","wikidata":"https://www.wikidata.org/wiki/Q1666223","display_name":"Intermediary","level":2,"score":0.5319967865943909},{"id":"https://openalex.org/C175025494","wikidata":"https://www.wikidata.org/wiki/Q179179","display_name":"Interest rate","level":2,"score":0.5214380621910095},{"id":"https://openalex.org/C8880873","wikidata":"https://www.wikidata.org/wiki/Q187787","display_name":"Genetic algorithm","level":2,"score":0.5128974914550781},{"id":"https://openalex.org/C50644808","wikidata":"https://www.wikidata.org/wiki/Q192776","display_name":"Artificial neural network","level":2,"score":0.505615234375},{"id":"https://openalex.org/C534932454","wikidata":"https://www.wikidata.org/wiki/Q161410","display_name":"Peer-to-peer","level":2,"score":0.4446149468421936},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.359164834022522},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.2583364248275757},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.24865463376045227},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2244926393032074},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.21185964345932007},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.20818361639976501},{"id":"https://openalex.org/C120314980","wikidata":"https://www.wikidata.org/wiki/Q180634","display_name":"Distributed computing","level":1,"score":0.15871304273605347},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.10692498087882996},{"id":"https://openalex.org/C134306372","wikidata":"https://www.wikidata.org/wiki/Q7754","display_name":"Mathematical analysis","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1155/2018/2613739","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2018/2613739","pdf_url":"https://downloads.hindawi.com/journals/sp/2018/2613739.pdf","source":{"id":"https://openalex.org/S166774750","display_name":"Scientific Programming","issn_l":"1058-9244","issn":["1058-9244","1875-919X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319869","host_organization_name":"Hindawi Publishing Corporation","host_organization_lineage":["https://openalex.org/P4310319869"],"host_organization_lineage_names":["Hindawi Publishing Corporation"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Scientific Programming","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:d4869823c28e41eea7f13154c5afb7b8","is_oa":false,"landing_page_url":"https://doaj.org/article/d4869823c28e41eea7f13154c5afb7b8","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Scientific Programming, Vol 2018 (2018)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.1155/2018/2613739","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2018/2613739","pdf_url":"https://downloads.hindawi.com/journals/sp/2018/2613739.pdf","source":{"id":"https://openalex.org/S166774750","display_name":"Scientific Programming","issn_l":"1058-9244","issn":["1058-9244","1875-919X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319869","host_organization_name":"Hindawi Publishing Corporation","host_organization_lineage":["https://openalex.org/P4310319869"],"host_organization_lineage_names":["Hindawi Publishing Corporation"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Scientific Programming","raw_type":"journal-article"},"sustainable_development_goals":[],"awards":[{"id":"https://openalex.org/G3975432141","display_name":null,"funder_award_id":"GD14CGL09","funder_id":"https://openalex.org/F4320321001","funder_display_name":"National Natural Science Foundation of China"},{"id":"https://openalex.org/G4435742065","display_name":null,"funder_award_id":"GD14CGL09","funder_id":"https://openalex.org/F4320321921","funder_display_name":"Natural Science Foundation of Guangdong Province"},{"id":"https://openalex.org/G4531907817","display_name":null,"funder_award_id":"71571073","funder_id":"https://openalex.org/F4320321921","funder_display_name":"Natural Science Foundation of Guangdong Province"},{"id":"https://openalex.org/G4794911628","display_name":null,"funder_award_id":"2014A030313243","funder_id":"https://openalex.org/F4320321001","funder_display_name":"National Natural Science Foundation of China"},{"id":"https://openalex.org/G6582293572","display_name":"\u57fa\u4e8e\u8d85\u7f51\u7edc\u7684\u5927\u4f17\u534f\u540c\u521b\u65b0\u793e\u533a\u7528\u6237\u77e5\u8bc6\u4e3b\u4f53\u6316\u6398\u65b9\u6cd5\u7814\u7a76","funder_award_id":"71571073","funder_id":"https://openalex.org/F4320321001","funder_display_name":"National Natural Science Foundation of China"},{"id":"https://openalex.org/G8930211601","display_name":null,"funder_award_id":"2014A030313243","funder_id":"https://openalex.org/F4320321921","funder_display_name":"Natural Science Foundation of Guangdong Province"}],"funders":[{"id":"https://openalex.org/F4320306076","display_name":"National Science Foundation","ror":"https://ror.org/021nxhr62"},{"id":"https://openalex.org/F4320321001","display_name":"National Natural Science Foundation of China","ror":"https://ror.org/01h0zpd94"},{"id":"https://openalex.org/F4320321921","display_name":"Natural Science Foundation of Guangdong Province","ror":null}],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W2888458960.pdf","grobid_xml":"https://content.openalex.org/works/W2888458960.grobid-xml"},"referenced_works_count":19,"referenced_works":["https://openalex.org/W1979373126","https://openalex.org/W1980770954","https://openalex.org/W1981719979","https://openalex.org/W1982344451","https://openalex.org/W2014997186","https://openalex.org/W2019762449","https://openalex.org/W2059217429","https://openalex.org/W2073135589","https://openalex.org/W2083844448","https://openalex.org/W2090190737","https://openalex.org/W2182829547","https://openalex.org/W2185712725","https://openalex.org/W2473172823","https://openalex.org/W2766596991","https://openalex.org/W3124269015","https://openalex.org/W3124284538","https://openalex.org/W3126098980","https://openalex.org/W3163723940","https://openalex.org/W4240374930"],"related_works":["https://openalex.org/W2992189028","https://openalex.org/W4313333220","https://openalex.org/W2936139020","https://openalex.org/W4321323230","https://openalex.org/W4385197186","https://openalex.org/W2189993282","https://openalex.org/W4309818577","https://openalex.org/W4205543183","https://openalex.org/W2789811966","https://openalex.org/W3048011858"],"abstract_inverted_index":{"P2P":[0,130],"(peer-to-peer)":[1],"lending":[2],"is":[3],"an":[4],"emerging":[5],"online":[6],"service":[7],"that":[8,51,111],"allows":[9],"individuals":[10],"to":[11,64,98],"borrow":[12],"money":[13],"from":[14,104,125],"unrelated":[15],"person":[16],"without":[17],"the":[18,35,66,88,107,129,139],"intervention":[19],"of":[20,34],"traditional":[21],"financial":[22],"intermediaries.":[23],"In":[24],"these":[25],"platforms,":[26],"borrowing":[27,45,68],"limit":[28,69],"and":[29,47,70,77,91,135],"interest":[30,71],"rate":[31,72],"are":[32,138],"two":[33,140],"most":[36],"notable":[37],"elements":[38],"for":[39,142],"borrowers,":[40],"which":[41],"directly":[42],"influence":[43],"their":[44,75],"benefits":[46],"costs,":[48],"respectively.":[49],"To":[50],"end,":[52],"this":[53],"paper":[54],"introduces":[55],"a":[56,80,116,122],"BP":[57,93],"neural":[58,94],"network":[59,95],"interval":[60],"estimation":[61],"(BPIE)":[62],"algorithm":[63,84,90],"predict":[65],"borrowers\u2019":[67],"based":[73,86],"on":[74,87],"characteristics":[76],"simultaneously":[78],"develops":[79],"new":[81,123],"parameter":[82],"optimization":[83],"(GBPO)":[85],"genetic":[89],"our":[92,112],"predictive":[96],"model":[97,114],"optimize":[99],"them.":[100],"Using":[101],"real-world":[102],"data":[103],"http://ppdai.com":[105],",":[106],"experimental":[108],"results":[109],"show":[110],"proposed":[113,136],"achieves":[115],"good":[117],"performance.":[118],"This":[119],"research":[120],"provides":[121],"perspective":[124],"borrowers":[126],"in":[127],"exploring":[128],"lending.":[131],"The":[132],"case":[133],"base":[134],"knowledge":[137],"contributions":[141],"FinTech":[143],"research.":[144]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2024,"cited_by_count":1},{"year":2023,"cited_by_count":2},{"year":2022,"cited_by_count":1},{"year":2021,"cited_by_count":4},{"year":2020,"cited_by_count":2}],"updated_date":"2026-07-22T07:51:19.307946","created_date":"2025-10-10T00:00:00"}
