{"id":"https://openalex.org/W2995722805","doi":"https://doi.org/10.3390/info10120397","title":"Credit Scoring Using Machine Learning by Combing Social Network Information: Evidence from Peer-to-Peer Lending","display_name":"Credit Scoring Using Machine Learning by Combing Social Network Information: Evidence from Peer-to-Peer Lending","publication_year":2019,"publication_date":"2019-12-17","ids":{"openalex":"https://openalex.org/W2995722805","doi":"https://doi.org/10.3390/info10120397","mag":"2995722805"},"language":"en","primary_location":{"id":"doi:10.3390/info10120397","is_oa":true,"landing_page_url":"https://doi.org/10.3390/info10120397","pdf_url":"https://www.mdpi.com/2078-2489/10/12/397/pdf?version=1576583943","source":{"id":"https://openalex.org/S4210219776","display_name":"Information","issn_l":"2078-2489","issn":["2078-2489"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Information","raw_type":"journal-article"},"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://www.mdpi.com/2078-2489/10/12/397/pdf?version=1576583943","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5062685487","display_name":"Beibei Niu","orcid":null},"institutions":[{"id":"https://openalex.org/I52158045","display_name":"China Agricultural University","ror":"https://ror.org/04v3ywz14","country_code":"CN","type":"education","lineage":["https://openalex.org/I52158045"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Beibei Niu","raw_affiliation_strings":["College of Economics and Management, China Agricultural University, Beijing 100083, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"College of Economics and Management, China Agricultural University, Beijing 100083, China","institution_ids":["https://openalex.org/I52158045"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5101075887","display_name":"Jinzheng Ren","orcid":null},"institutions":[{"id":"https://openalex.org/I52158045","display_name":"China Agricultural University","ror":"https://ror.org/04v3ywz14","country_code":"CN","type":"education","lineage":["https://openalex.org/I52158045"]}],"countries":["CN"],"is_corresponding":true,"raw_author_name":"Jinzheng Ren","raw_affiliation_strings":["College of Economics and Management, China Agricultural University, Beijing 100083, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"College of Economics and Management, China Agricultural University, Beijing 100083, China","institution_ids":["https://openalex.org/I52158045"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5107701043","display_name":"Xiaotao Li","orcid":"https://orcid.org/0000-0003-0467-489X"},"institutions":[{"id":"https://openalex.org/I52158045","display_name":"China Agricultural University","ror":"https://ror.org/04v3ywz14","country_code":"CN","type":"education","lineage":["https://openalex.org/I52158045"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Xiaotao Li","raw_affiliation_strings":["College of Economics and Management, China Agricultural University, Beijing 100083, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"College of Economics and Management, China Agricultural University, Beijing 100083, China","institution_ids":["https://openalex.org/I52158045"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5101075887"],"corresponding_institution_ids":["https://openalex.org/I52158045"],"apc_list":{"value":1400,"currency":"CHF","value_usd":1515},"apc_paid":{"value":1400,"currency":"CHF","value_usd":1515},"fwci":13.5123,"has_fulltext":true,"cited_by_count":65,"citation_normalized_percentile":{"value":0.98713639,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":95,"max":100},"biblio":{"volume":"10","issue":"12","first_page":"397","last_page":"397"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9988999962806702,"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":0.9988999962806702,"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/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9987000226974487,"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/T11652","display_name":"Imbalanced Data Classification Techniques","score":0.9887999892234802,"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"}}],"keywords":[{"id":"https://openalex.org/keywords/loan","display_name":"Loan","score":0.746870756149292},{"id":"https://openalex.org/keywords/default","display_name":"Default","score":0.6813898086547852},{"id":"https://openalex.org/keywords/adaboost","display_name":"AdaBoost","score":0.5656975507736206},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.5475618839263916},{"id":"https://openalex.org/keywords/logistic-regression","display_name":"Logistic regression","score":0.5379311442375183},{"id":"https://openalex.org/keywords/predictive-power","display_name":"Predictive power","score":0.5244477391242981},{"id":"https://openalex.org/keywords/social-network","display_name":"Social network (sociolinguistics)","score":0.516021728515625},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.5074910521507263},{"id":"https://openalex.org/keywords/test","display_name":"Test (biology)","score":0.4371621310710907},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.42988112568855286},{"id":"https://openalex.org/keywords/actuarial-science","display_name":"Actuarial science","score":0.3754734396934509},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.3605569899082184},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.329184889793396},{"id":"https://openalex.org/keywords/support-vector-machine","display_name":"Support vector machine","score":0.216863214969635},{"id":"https://openalex.org/keywords/world-wide-web","display_name":"World Wide Web","score":0.16022568941116333},{"id":"https://openalex.org/keywords/social-media","display_name":"Social media","score":0.08980393409729004}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.746870756149292},{"id":"https://openalex.org/C69637215","wikidata":"https://www.wikidata.org/wiki/Q702362","display_name":"Default","level":2,"score":0.6813898086547852},{"id":"https://openalex.org/C141404830","wikidata":"https://www.wikidata.org/wiki/Q2823869","display_name":"AdaBoost","level":3,"score":0.5656975507736206},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.5475618839263916},{"id":"https://openalex.org/C151956035","wikidata":"https://www.wikidata.org/wiki/Q1132755","display_name":"Logistic regression","level":2,"score":0.5379311442375183},{"id":"https://openalex.org/C2778136018","wikidata":"https://www.wikidata.org/wiki/Q10350689","display_name":"Predictive power","level":2,"score":0.5244477391242981},{"id":"https://openalex.org/C4727928","wikidata":"https://www.wikidata.org/wiki/Q17164759","display_name":"Social network (sociolinguistics)","level":3,"score":0.516021728515625},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.5074910521507263},{"id":"https://openalex.org/C2777267654","wikidata":"https://www.wikidata.org/wiki/Q3519023","display_name":"Test (biology)","level":2,"score":0.4371621310710907},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.42988112568855286},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.3754734396934509},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3605569899082184},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.329184889793396},{"id":"https://openalex.org/C12267149","wikidata":"https://www.wikidata.org/wiki/Q282453","display_name":"Support vector machine","level":2,"score":0.216863214969635},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.16022568941116333},{"id":"https://openalex.org/C518677369","wikidata":"https://www.wikidata.org/wiki/Q202833","display_name":"Social media","level":2,"score":0.08980393409729004},{"id":"https://openalex.org/C151730666","wikidata":"https://www.wikidata.org/wiki/Q7205","display_name":"Paleontology","level":1,"score":0.0},{"id":"https://openalex.org/C111472728","wikidata":"https://www.wikidata.org/wiki/Q9471","display_name":"Epistemology","level":1,"score":0.0},{"id":"https://openalex.org/C86803240","wikidata":"https://www.wikidata.org/wiki/Q420","display_name":"Biology","level":0,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.3390/info10120397","is_oa":true,"landing_page_url":"https://doi.org/10.3390/info10120397","pdf_url":"https://www.mdpi.com/2078-2489/10/12/397/pdf?version=1576583943","source":{"id":"https://openalex.org/S4210219776","display_name":"Information","issn_l":"2078-2489","issn":["2078-2489"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Information","raw_type":"journal-article"},{"id":"pmh:oai:mdpi.com:/2078-2489/10/12/397/","is_oa":true,"landing_page_url":"http://dx.doi.org/10.3390/info10120397","pdf_url":null,"source":{"id":"https://openalex.org/S4306400947","display_name":"MDPI (MDPI AG)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I4210097602","host_organization_name":"Multidisciplinary Digital Publishing Institute (Switzerland)","host_organization_lineage":["https://openalex.org/I4210097602"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Information","raw_type":"Text"}],"best_oa_location":{"id":"doi:10.3390/info10120397","is_oa":true,"landing_page_url":"https://doi.org/10.3390/info10120397","pdf_url":"https://www.mdpi.com/2078-2489/10/12/397/pdf?version=1576583943","source":{"id":"https://openalex.org/S4210219776","display_name":"Information","issn_l":"2078-2489","issn":["2078-2489"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Information","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"Decent work and economic growth","id":"https://metadata.un.org/sdg/8","score":0.5299999713897705}],"awards":[{"id":"https://openalex.org/G1186197524","display_name":null,"funder_award_id":"71603259","funder_id":"https://openalex.org/F4320321001","funder_display_name":"National Natural Science Foundation of China"},{"id":"https://openalex.org/G4862792128","display_name":null,"funder_award_id":"19GLA002","funder_id":"https://openalex.org/F4320325931","funder_display_name":"Beijing Social Science Fund"}],"funders":[{"id":"https://openalex.org/F4320321001","display_name":"National Natural Science Foundation of China","ror":"https://ror.org/01h0zpd94"},{"id":"https://openalex.org/F4320325931","display_name":"Beijing Social Science Fund","ror":null},{"id":"https://openalex.org/F4320331088","display_name":"Natural Science Foundation for Young Scientists of Shanxi Province","ror":null},{"id":"https://openalex.org/F4320335581","display_name":"Young Scientists Fund","ror":null}],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W2995722805.pdf","grobid_xml":"https://content.openalex.org/works/W2995722805.grobid-xml"},"referenced_works_count":36,"referenced_works":["https://openalex.org/W1836875240","https://openalex.org/W1970874697","https://openalex.org/W1977009091","https://openalex.org/W1979873781","https://openalex.org/W1982120517","https://openalex.org/W1984104714","https://openalex.org/W1985783472","https://openalex.org/W1994085451","https://openalex.org/W2029869759","https://openalex.org/W2081155210","https://openalex.org/W2112126192","https://openalex.org/W2130354913","https://openalex.org/W2131816657","https://openalex.org/W2138702956","https://openalex.org/W2162397980","https://openalex.org/W2168123127","https://openalex.org/W2173315138","https://openalex.org/W2215139283","https://openalex.org/W2328176404","https://openalex.org/W2461391084","https://openalex.org/W2503623748","https://openalex.org/W2565473608","https://openalex.org/W2687982834","https://openalex.org/W2747436277","https://openalex.org/W2753518399","https://openalex.org/W2762385132","https://openalex.org/W2766068522","https://openalex.org/W2799673465","https://openalex.org/W2804638224","https://openalex.org/W3099386891","https://openalex.org/W3123936692","https://openalex.org/W3124284538","https://openalex.org/W3124786382","https://openalex.org/W3126098980","https://openalex.org/W6747099579","https://openalex.org/W7056680954"],"related_works":["https://openalex.org/W3111031756","https://openalex.org/W1532293414","https://openalex.org/W3124386825","https://openalex.org/W4388409052","https://openalex.org/W4385561904","https://openalex.org/W3161551118","https://openalex.org/W3122155953","https://openalex.org/W2768429096","https://openalex.org/W606680577","https://openalex.org/W2612601761"],"abstract_inverted_index":{"Financial":[0],"institutions":[1],"use":[2,99],"credit":[3,13,25,37,45,178],"scoring":[4,38],"to":[5,22,39,55,76,102,122],"evaluate":[6],"potential":[7],"loan":[8,86,111,148,162],"default":[9,163],"risks.":[10],"However,":[11],"insufficient":[12],"information":[14,51,83,93,109,146,159,174],"limits":[15],"the":[16,42,66,78,104,124],"peer-to-peer":[17],"(P2P)":[18],"lending":[19],"platform\u2019s":[20],"capacity":[21],"build":[23],"effective":[24],"scoring.":[26,179],"In":[27],"recent":[28],"years,":[29],"many":[30],"types":[31],"of":[32,44,72,80,127],"data":[33],"are":[34],"used":[35,54],"for":[36,41,177],"compensate":[40],"lack":[43],"history":[46],"data.":[47],"Whether":[48],"social":[49,81,91,107,128,144,157,172],"network":[50,82,92,108,129,145,158,173],"can":[52,160],"be":[53],"strengthen":[56],"financial":[57],"institutions\u2019":[58],"predictive":[59,125],"power":[60],"has":[61],"received":[62],"much":[63],"attention":[64],"in":[65,84],"industry":[67],"and":[68,97,110,119,147],"academia.":[69],"The":[70,131,150,167],"aim":[71],"this":[73],"study":[74],"is":[75,138,175],"test":[77,103],"reliability":[79],"predicting":[85],"default.":[87,112,149],"We":[88],"extract":[89],"borrowers\u2019":[90],"from":[94],"mobile":[95],"phones":[96],"then":[98],"logistic":[100,132],"regression":[101,133],"relationship":[105],"between":[106,143],"Three":[113],"machine":[114,151],"learning":[115,152],"algorithms\u2014random":[116],"forest,":[117],"AdaBoost,":[118],"LightGBM\u2014were":[120],"constructed":[121],"demonstrate":[123],"performance":[126,165],"information.":[130],"results":[134,154,169],"show":[135,155],"that":[136,156,171],"there":[137],"a":[139],"statistically":[140],"significant":[141],"correlation":[142],"algorithm":[153],"improve":[161],"prediction":[164],"significantly.":[166],"experiment":[168],"suggest":[170],"valuable":[176]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":12},{"year":2024,"cited_by_count":12},{"year":2023,"cited_by_count":10},{"year":2022,"cited_by_count":17},{"year":2021,"cited_by_count":9},{"year":2020,"cited_by_count":4}],"updated_date":"2026-05-21T06:26:12.895304","created_date":"2025-10-10T00:00:00"}
