A Deep Learning Approach for Credit Scoring of Peer-to-Peer Lending Using Attention Mechanism LSTM

A Deep Learning Approach for Credit Scoring of Peer-to-Peer Lending Using Attention Mechanism LSTM

With the rapid development of the peer-to-peer lending industry in China, it has been a crucial task to evaluate the default risk of each loan. Motivated by the research in natural language processing, we make use of the online operation behavior data of borrowers and propose a consumer credit scori...

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Bibliographic Details
Main Authors: Chongren Wang, Dongmei Han, Qigang Liu, Suyuan Luo
Format: Article
Language:English
Published: IEEE 2019-01-01
Series:IEEE Access
Subjects:
P2P lending
credit scoring
machine learning
deep learning
LSTM
attention mechanism
Online Access:https://ieeexplore.ieee.org/document/8579130/

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