References

• 2014Evaluating credit risk and loan performance in online Peer-to-Peer (P2P) lending495 cited
• 2015Risk assessment in social lending via random forests398 cited
• 2016The use of profit scoring as an alternative to credit scoring systems in peer-to-peer (P2P) lending253 cited
• 2019A study on predicting loan default based on the random forest algorithm187 cited
• 2020Multi-class misclassification cost matrix for credit ratings in peer-to-peer lending116 cited
• 2020Multi-view ensemble learning based on distance-to-model and adaptive clustering for imbalanced credit risk assessment in P2P lending102 cited
• 20202-stage modified random forest model for credit risk assessment of P2P network lending to “Three Rurals” borrowers97 cited
• 2019Credit Scoring Using Machine Learning by Combing Social Network Information: Evidence from Peer-to-Peer Lending70 cited
• 2021Explainable AI (XAI) Models Applied to the Multi-agent Environment of Financial Markets55 cited
• 2017Credit risk analysis using machine learning classifiers52 cited
• 2019Best classification algorithms in peer-to-peer lending52 cited
• 2021The network loan risk prediction model based on Convolutional neural network and Stacking fusion model49 cited
• 2020Determinants of defaults on P2P lending platforms in China48 cited
• 2020Credit rationing in P2P lending to SMEs: Do lender-borrower relationships matter?