The use of profit scoring as an alternative to credit scoring systems in peer-to-peer (P2P) lending
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- 作者：Carlos Serrano-CincaAuthor Vitae ; Begoñ ; a Gutié ; rrez-Nieto ; bgn@unizar.es" class="auth_mail" title="E-mail the corresponding authorAuthor Vitae
- 关键词：P2P lending ; Microcredit ; Crowdfunding ; Banking ; Credit scoring ; Profit scoring ; Internal rate of return
- 刊名：Decision Support Systems
- 出版年：2016
- 出版时间：September 2016
- 年：2016
- 卷：89
- 期：Complete
- 页码：113-122
- 全文大小：579 K
文摘
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Credit scoring systems estimate loan default probability (fully paid vs charged off).
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Profit scoring systems estimate loan profitability (internal rate of return).
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Factors explaining profitability differ from factors explaining default probability.
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A profit scoring system outperforms the results obtained by a credit scoring system.