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Two-way matching recommendation method between borrowing items and lenders in online microfinance

A recommendation method and two-way matching technology, applied in data processing applications, finance, instruments, etc., can solve problems such as no technical solutions, achieve the effect of controlling risks and improving production efficiency

Active Publication Date: 2021-04-23
UNIV OF SCI & TECH OF CHINA
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Problems solved by technology

However, there is no more effective technical solution

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  • Two-way matching recommendation method between borrowing items and lenders in online microfinance
  • Two-way matching recommendation method between borrowing items and lenders in online microfinance
  • Two-way matching recommendation method between borrowing items and lenders in online microfinance

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Embodiment Construction

[0048] The technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some of the embodiments of the present invention, not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0049] figure 2 The flow chart of the two-way matching recommendation method between the loan item and the lender in the network micro-loan provided by the embodiment of the present invention; figure 2 As shown, it mainly includes the following steps:

[0050] Step 11. Establishing a loan item database and a lender database respectively, and establishing a transaction record database based on the transaction records of the loan item and the lend...

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Abstract

The invention discloses a two-way matching recommendation method for borrowing items and lenders in network micro-loans. The method adopts a random walk network integrating two different recommendation methods. Moreover, on the part of the lender, in order to improve the accuracy and effect of project recommendation, the present invention uses the output of the random walk network as the input of an optimization model considering risks and benefits, and the loan project combination is screened out by the optimization model. Adopting this method can improve the user experience of the network microfinance platform and improve efficiency.

Description

technical field [0001] The invention relates to a recommendation system algorithm and the application field of Internet finance, in particular to a two-way matching recommendation method between a borrowing item and a lender in an online micro-loan. Background technique [0002] Online micro-credit is a new type of loan, which usually occurs on a person-to-person (Peer-to-peer, P2P) lending platform. Online microfinance also refers to P2P loans, and the two represent the same concept. Since all service processes in P2P loans are completed online, the operating cost of P2P platforms is lower than that of traditional financial institutions. At the same time, borrowers can raise money at lower interest rates, and lenders can also obtain higher returns. . In recent years, P2P lending platforms have developed rapidly at home and abroad. Representative foreign platforms include Prosper, LendingClub, etc., while domestic platforms include Renrendai and Hongling Venture Capital. ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q30/02G06Q40/02
CPCG06Q30/0201G06Q40/03
Inventor 陈恩红刘淇赵洪科章和夫
Owner UNIV OF SCI & TECH OF CHINA
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