The credit risk of the borrower＇s credit in P2P network

P2P network lending refers to the individual through the oJfline trading platform provided by the Business Company provides small loans to other individuals. According to the sea tree Lingyi data stalistics, as of November 2014. China has 1371 P2P network lending company, than by the end of2013 638 over more than doubled. Since 2014,The cumulative volume of the whole network lending industry is up to 431.2 billion yuan. With the increasing social awareness in the industry, the future of the number and amount of P2P network lending companies in China will continue to grow rapidly. However, at present our P2P network credit risk management issues is serious, lacking of professional risk management personnel,who audit on the borrower＇s credit mostly limited to the upload information of borrowers. Credit rating is largely dependent on the subjective judgment of the risk control personnel and audit staff, which can not meet the requirements of the transaction participants in the loan security measures.This paper to pat the loan company were empirical research, through the logistic model to find the breach the key influence factors, to construct the borrower＇s credit risk evaluation methods, and to provide the P2P network lending risk control with specific policy recommendations.

P2P network lending in the credit risk rating of the individual

P2P lending network is person to person lending network, lnternet-based applications, individuals lending financial model to others through the network intermediary,＇ platform. Currently P2P lending network has developed rapidly, but the P2P network lending platform also are lacing increasing risks, the biggest risk is credit risk. This article from the credit rating perspective, comparative analysis of the existing credit rating methodology, Analysis to establish a relatively sound credit rating mechanisms, thus reducing credit risk.

基于决策树与Logistic回归的P2P网贷平台信用风险评价比较分析

P2P网贷行业在中国发展迅速,其背后的风险不容忽视。文章旨在研究P2P网贷平台存在的信用风险,参考银行对中小企业的信用风险评价方法以及国内相关文献的评价指标,构建了P2P网贷平台信用风险评价指标体系。运用两种决策树模型和Logistic回归对529家网贷平台进行了实证分析,建立了网贷平台的信用风险评价模型。结果表明,3种模型都具有较好的信用风险预测能力,其中决策树的预测能力更优,具有更好的应用前景。

Raft Consensus Algorithm Based on Credit Model in Consortium Blockchain

As one of the underlying technologies of the blockchain,the consensus algorithm plays a vital role in ensuring security and efficiency.As a consensus algorithm for the private blockchain,Raft has better performance than the rest of the consensus algorithms,and it does not cause problems such as the concentrated hashing power,resource waste and fork.However,Raft can only be used in a non-byzantine environment with a small network size.In order to enable Raft to be used in a large-scale network with a certain number of byzantine nodes,this paper combines Raft and credit model to propose a Raft blockchain consensus algorithm based on credit model CRaft.In the node credit evaluation phase,RBF-based support vector machine is used as the anomaly detection method,and the node credit evaluation model is constructed.Then the Trust Nodes List(TNL)mechanism is introduced to make the consensus phase in a creditable network environment.Finally,the common node is synchronized to the consensus node to update the blockchain of the entire network.Experiments show that CRaft has better throughput and lower latency than the commonly used consortium blockchain consensus algorithm PBFT(Practical Byzantine Fault Tolerance).

Performance Improvement of NCSs Under Complex Network via Concurrent Paths

Different from the single paths between controllers and plants of networked control systems(NCSs), the complex network provides widespread links and brings plenty of paths from the controller side to the plant side. Benefit from this advantage, a novel data transmission dispatching strategy is proposed. When the direct path can not satisfy the condition of system demand, neither stability nor performance, some specified paths compose a concurrent-path to transmit the control signal concurrently. Firstly, the networked control systems(NCSs) are expressed by the switched systems model with the constant network-induced delay, and the network communication is described as a packet-loss process. Secondly, taking system's exponential decay rate as its performance indicator, the relationship between control signal transmission paths and system performance is quantitatively given by considering packet losses as the compound poisson process and the alternating renewal process. Then, due to that different combination of paths induces the different statistical properties of packet losses, the approach to find an appropriate concurrent-path is proposed concerning two mutually constrained factors, the system performance demand and the utilization of network resources. After the theoretical analysis, a distributed communication platform based on peer-to-peer(P2P) network technology is designed and implemented to realize the concurrent-path transmission on internet. Finally, the practical experiment on the platform demonstrates the validity and effectiveness of proposed approach.