A Novel Key Influencing Factors Selection Approach of P2P Lending Investment Risk
Table 2
Key influencing factors analysis of P2P lending investment risk achieved by artificial prior knowledge.
Attributes
Names
Explanation
H6
Credit rating
Literatures [5, 48] indicate that credit rating can reflect a borrower’s credit status, reveal his credit risk, and avoid adverse selection in investment. Credit rating is an important input for combinatorial optimization problem to balance investment earnings and return risk, which is of great significance to key influencing factors selection of P2P lending investment risk
H10
Historical borrowings
Literatures [49, 50] illustrate that the borrower’s historical information is an important factor affecting the investment risk. It embodies in the number of historical overdue and historical borrowings. The higher the repayment rate of historical borrowings on time, the lower the ratio between historical overdue times and historical borrowing times. It indicates that the borrowers convey a message to investors that the borrowers are trusted and welcomed by the market, and the risk compensation is smaller
