Know Where to Invest: Platform Risk Evaluation in Online Lending
Published Online:28 Dec 2021https://doi.org/10.1287/isre.2021.1083
References
- (2019) Don’t mention it? Analyzing user-generated content signals for early adverse event warnings. Inform. Systems Res. 30(3):1007–1028.Link, Google Scholar
- (2015) The marginal cost of risk, risk measures, and capital allocation. Management Sci. 62(5):1431–1457.Link, Google Scholar
- (2019) The role of due diligence in crowdfunding platforms. J. Banking Finance 108:105661.Crossref, Google Scholar
- (2012) A class of discrete transformation survival models with application to default probability prediction. J. Amer. Statist. Assoc. 107(499):990–1003.Crossref, Google Scholar
- (2017) Time to default in credit scoring using survival analysis: A benchmark study. J. Oper. Res. Soc. 68(6):652–665.Crossref, Google Scholar
- (2012) Credit Risk: Pricing, Measurement, and Management (Princeton University Press, Princeton, NJ).Google Scholar
- (2015) Evaluating credit risk and loan performance in online peer-to-peer (P2P) lending. Appl. Econom. 47(1):54–70.Crossref, Google Scholar
- (2012) Modeling the effect of macroeconomic factors on corporate default and credit rating transitions. Internat. Rev. Econom. Finance 21(1):87–105.Crossref, Google Scholar
- (2010) Human capital, economic growth, and regional inequality in China. J. Development Econom. 92(2):215–231.Crossref, Google Scholar
- (2021) Crowds, lending, machine, and bias. Inform. Systems Res. 32(1):72–92.Link, Google Scholar
- (2014) Corporate risk management: Integrating liquidity, hedging, and operating policies. Management Sci. 60(1):246–264.Link, Google Scholar
- (2021) Initial coin offerings, speculation, and asset tokenization. Management Sci. 67(2):914–931.Link, Google Scholar
- (2017) Predicting and deterring default with social media information in peer-to-peer lending. J. Management Inform. Systems 34(2):401–424.Crossref, Google Scholar
- (2015) Prediction of financial distress: An empirical study of listed Chinese companies using data mining. Eur. J. Oper. Res. 241(1):236–247.Crossref, Google Scholar
- (2015) Predicting financial distress: A comparison of survival analysis and decision tree techniques. Procedia Comput. Sci. 54:396–404.Crossref, Google Scholar
- (2009) Internet exchanges for used goods: An empirical analysis of trade patterns and adverse selection. Management Inform. Systems Quart. 33(2):263–291.Crossref, Google Scholar
- (2013) Positioning and presenting design science research for maximum impact. Management Inform. Systems Quart. 37(2):337–355.Crossref, Google Scholar
- (2016) Instance-based credit risk assessment for investment decisions in P2P lending. Eur. J. Oper. Res. 249(2):417–426.Crossref, Google Scholar
- (2018) Traits of successful research contributions for publication in ISR: Some thoughts for authors and reviewers. Inform. Systems Res. 29(4):779–786.Link, Google Scholar
- (2018) Empirical comparison of hazard models in predicting SMEs failure. Quant. Finance 18(3):437–466.Crossref, Google Scholar
- (2017) Call for papers—Special issue of information systems research FinTech–Innovating the financial industry through emerging information technologies. Inform. Systems Res. 28(4):885–886.Link, Google Scholar
- (2013) The effects of positive and negative online customer reviews: Do brand strength and category maturity matter? J. Marketing 77(6):37–53.Crossref, Google Scholar
- (2018) Online P2P lending and regulatory responses in China: Opportunities and challenges. Eur. Bus. Organ. Law Rev. 19(1):63–92.Crossref, Google Scholar
- (2015) Screening peers softly: Inferring the quality of small borrowers. Management Sci. 62(6):1554–1577.Link, Google Scholar
- (2018) Investor platform choice: Herding, platform attributes, and regulations. J. Management Inform. Systems 35(1):86–116.Crossref, Google Scholar
- (2020) When online lending meets real estate: Examining investment decisions in lending-based real estate crowdfunding. Inform. Systems Res. 31(3):715–730.Link, Google Scholar
- (2013) How does competition affect bank risk-taking? J. Financial Stability 9(2):185–195.Crossref, Google Scholar
- (2015) Stress test for a technology credit guarantee fund based on survival analysis. J. Oper. Res. Soc. 66(3):463–475.Crossref, Google Scholar
- (2019) The “experts” in the crowd: The role of experienced investors in a crowdfunding market. Management Inform. Systems Quart. 43(2):347–372.Crossref, Google Scholar
- (2020) Beyond Silicon Valley. Harvard Bus. Rev.Google Scholar
- (2015) Benchmarking state-of-the-art classification algorithms for credit scoring: An update of research. Eur. J. Oper. Res. 247(1):1–32.Crossref, Google Scholar
- (2016) Risks of P2P lending platforms in China: Modeling failure using a Cox hazard model. Chinese Econom. 49(3):161–172.Crossref, Google Scholar
- (2017) The nature of sellers’ cyber credit in C2C e-commerce: The perspective of social capital. Electronic Commerce Res. 17(1):133–147.Crossref, Google Scholar
- (2013) Judging borrowers by the company they keep: Friendship networks and information asymmetry in online peer-to-peer lending. Management Sci. 59(1):17–35.Link, Google Scholar
- (2018) P2P lending platform risk observing method based on short-time multi-source regression algorithm. Proc. 2018 IEEE Internat. Conf. Comm., 1–6.Google Scholar
- (2019) Survival or die: A survival analysis on peer‐to‐peer lending platforms in China. Accounting Finance 59:2105–2131.Crossref, Google Scholar
- (2018) Research on risk factors identification of P2P lending platforms. Amer. J. Indust. Bus. Management 8(5):1344–1357.Crossref, Google Scholar
- (2013) Promotional marketing or word-of-mouth? Evidence from online restaurant reviews. Inform. Systems Res. 24(3):596–612.Link, Google Scholar
- (2017) A unified approach to interpreting model predictions. von Luxburg U, Guyon I, Bengio S, Wallach H, Fergus R, eds. Proc. 31st Internat. Conf. Neural Inform. Processing Systems (Curran Associates Inc., Long Beach), 4768–4774.Google Scholar
- (2010) Does competition reduce the risk of bank failure? Rev. Financial Stud. 23(10):3638–3664.Crossref, Google Scholar
- (2014) Credit risk management in the financial markets. J. Appl. Finance Banking 4(4):107–125.Google Scholar
- (2006) The nature and role of feedback text comments in online marketplaces: Implications for trust building, price premiums, and seller differentiation. Inform. Systems Res. 17(4):392–414.Link, Google Scholar
- (2018) Reward-based crowdfunding campaigns: Informational value and access to venture capital. Inform. Systems Res. 29(3):679–697.Link, Google Scholar
- (2002) Survival analysis methods for personal loan data. Oper. Res. 50(2):277–289.Link, Google Scholar
- (2012) Mixture cure models in credit scoring: If and when borrowers default. Eur. J. Oper. Res. 218(1):132–139.Crossref, Google Scholar
- (2016) P2P lending platforms bankruptcy prediction using fuzzy SVM with region information. Guo J, Cai H, Fei X, Chao K, Chung J, eds. Proc. 2016 IEEE 13th Internat. Conf. e-Business Engrg. (IEEE, Macau), 115–122.Google Scholar
- (2015) How signaling and search costs affect information asymmetry in P2P lending: The economics of big data. Financial Innovation 1(1):1–11.Crossref, Google Scholar
- (2019) Factors affecting platform default risk in online peer-to-peer (P2P) lending business: An empirical study using Chinese online P2P platform data. Electronic Commerce Res. 19(1):131–158.Crossref, Google Scholar
- (2018) Lenders’ perceived risk in online P2P lending: The elaboration likelihood model perspective. Tanabu M, Senoo D, eds. Proc. PACIS 2018 (AIS, Yokohama), 265.Google Scholar
- (2009) Effects of feature construction on classification performance: An empirical study in bank failure prediction. Expert Systems Appl. 36(2):2633–2644.Crossref, Google Scholar

