The rapid development of Chinese online loan platforms (OLPs), as well as their risks, has attracted widespread attention, increasing the demand for a complete credit rating mechanism. The present study establishes a credit rating indicator system for 130 mainstream Chinese OLPs that combines 12...

Financing sources for urban construction have garnered significant attention globally. Among various financing methods, the urban construction investment bond (UCIB) is unique to China. The UCIB credit spread, which represents the compensation for credit risk, has become a focal point for...

Household debt is a critical component of family financial management, especially considering the prevalence of credit constraints. This study investigates the determinants of Chinese household debt structure, focusing on the choice between formal and informal borrowing and the proportion of...

To solve the high-dimensionality issue and improve its accuracy in credit risk assessment, a high-dimensionality-trait-driven learning paradigm is proposed for feature extraction and classifier selection. The proposed paradigm consists of three main stages: categorization of high dimensional...