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.