Borrower Decision Aid for people-to-people lending

被引：222

作者：

Puro, Lauri ^{[2
]}

Teich, Jeffrey E. ^{[3
]}

Wallenius, Hannele ^{[2
]}

Wallenius, Jyrki ^{[1
]}

机构：

[1] Aalto Univ, Sch Econ, Dept Business Technol, FI-00076 Aalto, Finland

[2] Aalto Univ, Sch Sci & Technol, Dept Ind Engn & Management, FI-00076 Aalto, Finland

[3] New Mexico State Univ, Dept Management, Las Cruces, NM 88003 USA

来源：

DECISION SUPPORT SYSTEMS | 2010年 / 49卷 / 01期

基金：

芬兰科学院;

关键词：

People-to-people lending; Decision support; Reverse auctions; ONLINE AUCTIONS; SUPPORT-SYSTEM; EBAY; DETERMINANTS; PROCUREMENT; PRICES; MARKET;

D O I：

10.1016/j.dss.2009.12.009

中图分类号：

TP18 [人工智能理论];

学科分类号：

081104 ; 0812 ; 0835 ; 1405 ;

摘要：

In setting up, and bidding in online auctions, people face difficult strategic decisions. In this study, a Borrower Decision Aid is introduced, which will help formalize the decision making process of the sellers, or borrowers in this case, in one particular P2P loan auction site, Prosper.com. The vast amount of real-life bidding data available in this online auction enables us to build new kinds of tools for decision makers. The Borrower Decision Aid helps the borrower to quantify her strategic options, such as starting interest rate, and the amount of loan requested. We identify which variables concerning the borrower are related to the probability of successfully securing a loan and the final interest rate. (C) 2010 Elsevier B.V. All rights reserved.

引用

页码：52 / 60

页数：9

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