Volume 6 Number 6 (Jun. 2011)
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JCP 2011 Vol.6(6): 1183-1190 ISSN: 1796-203X
doi: 10.4304/jcp.6.6.1183-1190

A Decision Support System for Borrower’s Loan in P2P Lending

Jinghua Wu1, 2, Yun Xu2, 3
1School of Information and Engineering Technology, Sichuan Agriculture University, Sichuan, Ya’an, 625014
2School of Economic Information Engineering, Southwestern University of Finance and Economics, Sichuan, Chengdu, 610074
3Provincial Key Lab for Financial Intelligence and Financial Engineering, Southwestern University of Finance and Economics, Sichuan, Chengdu, 610074


Abstract—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, lending combination and loan recommendation. The system is developed in JADE and evaluated with the PROSPER’s sample data. The result shows that, the model can meet borrower’s needs better and help borrower getting loan more efficiently. Furthermore, it contributes to finance industry by accelerating the funds flow and does favor to economic recovery.

Index Terms—Online P2P lending, loan recommendation, decision support system, intelligent agent system.

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Cite: Jinghua Wu, Yun Xu , "A Decision Support System for Borrower’s Loan in P2P Lending," Journal of Computers vol. 6, no. 6, pp. 1183-1190, 2011.

General Information

ISSN: 1796-203X
Abbreviated Title: J.Comput.
Frequency: Monthly
Editor-in-Chief: Prof. Liansheng Tan
Executive Editor: Ms. Nina Lee
Abstracting/ Indexing: DBLP, EBSCO,  ProQuest, INSPEC, ULRICH's Periodicals Directory, WorldCat, CNKI,etc
E-mail: jcp@iap.org
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