A Bivariate Model for Correlated and Mixed Outcomes: A Case Study on the Simultaneous Prediction of Credit Risk and Profitability of Peer-to-Peer (P2P) Loans

A Bivariate Model for Correlated and Mixed Outcomes: A Case Study on the Simultaneous Prediction of Credit Risk and Profitability of Peer-to-Peer (P2P) Loans

In the peer-to-peer (P2P) lending market, current studies focus on two categories of approaches to evaluate the loans, thus providing investment suggestions to the investors: credit scoring (i.e., predicting the credit risk) and profit scoring (i.e., predicting the profitability). However, relying o...

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Bibliographic Details
Main Authors: Yan Wang, Xuelei Sherry Ni, Huan Ni, Sanad Biswas
Format: Article
Language:English
Published: MDPI AG 2025-02-01
Series:Risks
Subjects:
loan evaluation
peer-to-peer lending
P2P lending
credit scoring
profit scoring
bivariate model
Online Access:https://www.mdpi.com/2227-9091/13/2/33
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