计算机科学 ›› 2016, Vol. 43 ›› Issue (9): 242-246.doi: 10.11896/j.issn.1002-137X.2016.09.048

• 人工智能 • 上一篇    下一篇

基于粒计算与信息融合的P2P网贷用户信用评估

赵颖秀,刘文奇,李金海,赵宁   

  1. 昆明理工大学理学院 昆明650500,昆明理工大学理学院 昆明650500,昆明理工大学理学院 昆明650500,昆明理工大学理学院 昆明650500
  • 出版日期:2018-12-01 发布日期:2018-12-01
  • 基金资助:
    本文受国家自然科学基金项目(61573173)资助

Credit Evaluation of P2P Lending User Based on Granular Computing and Information Fusion

ZHAO Ying-xiu, LIU Wen-qi, LI Jin-hai and ZHAO Ning   

  • Online:2018-12-01 Published:2018-12-01

摘要: P2P网贷在爆发式增长的同时,也面临着巨大的信用风险。针对这一问题,首先提出了综合评判法这种信用评估方法,并且运用融360的数据对其进行了验证。其次,提出了利用粒计算的信息融合方法将第三方数据与已有信用评估值进行信息融合,进而不仅对原有信用评估值信息进行了补充,而且使彼此得到相互印证。最后通过模拟第三方数据对运用粒计算的信息融合方法进行了验证。

关键词: P2P网贷,粒计算,信息融合,信用评估

Abstract: P2P lending faces enormous credit risk when it is explosively growing .Firstly,we put forward a credit evalua-tion method namely comprehensive evaluation method and varified it by using 360 data.Secondly,we proposed information fusion method using granular computing to make third-party data information fusion with existing credit evaluation values.This method not only adds on the original credit evaluation value information,but also makes each other getting verified.At last,we verified information fusion method using granular computing through simulating the third party data.

Key words: P2P lending,Granular computing,Information fusion,Credit evaluation

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