Research Article
Optimizing the Borrowing Limit and Interest Rate in P2P System: From Borrowers’ Perspective
Table 4
Applicable adjustment for each parameter.
| Abbreviation | Applicable adjustment |
| HPT | If the user adds a head portrait, the value will turn to 1. | GED | Not adjustable. | IDT | If the user translates his/her identity to a lender, online seller, or student, the value will turn to 1. | AGE | It will increase with user’s age. | RET | It will increase with user’s registration time. | PRS | It will increase with user’s income, education level, and others. | IDC | If the user performs the authentication, the value will turn to 1. | VDC | If the user performs the authentication, the value will turn to 1. | EDC | If the user performs the authentication, the value will turn to 1. | MPC | If the user performs the authentication, the value will turn to 1. | ORC | If the user performs the authentication, the value will turn to 1. | TAS | If the user pays back on time, the value will be added 1. | TLS | If the user is 15 days behind on payment, the value will reduce by −2. | MMR | It will change with the parameter values above. |
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