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A personalized recommendation method based on risk revenue management on a P2P platform

A recommended method and platform technology, applied in data processing applications, instruments, finance, etc., can solve problems such as unreachable and achieve good operational results

Active Publication Date: 2019-06-14
ANHUI UNIVERSITY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the existing work on risk assessment usually aims to achieve stable low returns while reducing risks, but cannot meet the requirement of recommending low-risk high-yield loans to investors

Method used

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  • A personalized recommendation method based on risk revenue management on a P2P platform
  • A personalized recommendation method based on risk revenue management on a P2P platform
  • A personalized recommendation method based on risk revenue management on a P2P platform

Examples

Experimental program
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Embodiment Construction

[0059] In this example, a personalized recommendation method based on risk-return management on the P2P platform transforms the loan recommendation problem in the P2P lending platform into a loan portfolio recommendation problem based on multi-objective optimization, and combines the NSGA-Ⅱ algorithm framework to solve the loan portfolio recommendation problem problem, so as to obtain a different set of optimal loan portfolios for each user in the platform; such as figure 1 As shown, specifically, proceed as follows:

[0060] Step 1. Define the user set including all users in the P2P lending platform as U={u 1 ,u 2 ,...,u n}. Define the loan set including all loans in the platform as V={v 1 ,v 2 ,...,v m}. For any loan v j Both exist with a final state (Defaulted (-1), Canceled (0), Deferred (1), and Repaid (2)). The weighted probability propagation algorithm is obtained by improving the probability propagation algorithm to model and analyze the existing transaction d...

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Abstract

The invention discloses a personalized recommendation method based on risk income management on a P2P platform. According to the method, a loan recommendation problem in the P2P lending platform is converted into a multi-objective optimization problem, and the loan recommendation problem existing in the P2P platform is solved by performing modeling analysis, problem conversion, population initialization and population evolution on historical investment records of investors in the P2P platform. According to the invention, different loan combinations recommended to different users not only accord with interest preferences of the users, but also can obtain very good benefits on the premise of undertaking lower risks, so that the trust degree of the users on the P2P loan platform can be improved, and the P2P loan platform can better operate and develop.

Description

technical field [0001] The invention relates to the field of loan recommendation on a P2P platform, in particular to a personalized recommendation method based on risk and return management on a P2P platform. Background technique [0002] P2P lending is an emerging business model that pools small amounts of capital to provide loans to those in financial need. The social impact of P2P lending services is mainly reflected in three aspects, namely, satisfying personal capital needs, developing a personal credit system, and improving the utilization rate of a small amount of funds. In recent years, online P2P lending platforms have developed rapidly. For example, Prosper is one of the largest online lending platforms in the United States, currently has more than 2.2 million members and more than 13 billion in loans. This lending model is a win-win for both borrowers and lenders. The seller (investor) can obtain higher interest income than the bank, while for the buyer (borrow...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
Inventor 张磊吴鑫鹏
Owner ANHUI UNIVERSITY
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