The article proposes a model of credit risk assessment on the basis of factor analysis of retail clients / borrowers in order to ensure predictive control of the level of risk posed by potential clients in commercial banks engaged in consumer lending. The aim of the study is to determine the level of risk represented by different groups (classes) of retail clients (borrowers) in order to reduce...

Economic interdependence between suppliers and customers generates proprietary information useful for credit risk assessment. Such proprietary information can mitigate information asymmetry between borrowers and lenders, and substitutes for conservative accounting numbers in debt contracting. We hypothesize that a pre-existing lending relationship with a borrower’s customer(s) grants the lender...

Recently, P2P lending has become a hot research topic in finance, especially after the global financial crisis. Most existing research did not consider the efficiency from the borrowers’ perspective. This paper proposes a decision support system based on intelligent agents in P2P Lending for borrowers. The system provides borrowers with individual risk assessment, eligible lender search, lendin...

Massive Open Online Courses (MOOCs) have a remarkable ability to expand access to a large scale of participants worldwide, beyond the formality of the higher education systems. MOOCs support participants to be actively involved in collaborative learning and construct their own learning experience in a variety of domains. However, one of the biggest challenges facing MOOCs is how to assess the l...

Peer assessment continues to be a topic of interest in the educational arena for decades, especially with the popularity of MOOC in recent years. However, the reviewer assignment moment, which may affect the process efficiency and learning proactiveness reward, lacks appropriate consideration. In this study, we propose three reviewer assignment algorithms, postassignment, pre-assignment, and su...

As a concept stemmed from social field, we argued that, in P2P networks, peers’ recommendation behaviors and functional behaviors should be explicitly separated, thus we propose the HopRec scheme which uses hop-based recommendation ability to improve the accuracy of reputation ranking in P2P networks. Our contributions lie in the following aspects: firstly, we adopt the simple but effective ide...

The participation of external technical experts in the development of risk assessment documents and methodologies has expanded and evolved in recent years. Many government agencies and authoritative organizations have experts peer review important works to evaluate the scientific and technical defensibility and judge the strength of the assumptions and conclusions (OMB, 2004; IPCS, 2005; IARC, ...