The scope of this study is to investigate the capability of AI methods to accurately detect and predict credit risks based on retail borrowers' features. The comparison of logistic regression, decision tree, and random forest showed that machine learning methods are able to predict credit...

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...

Credit risk is the most significant risk by impact for any bank and financial institution. Accurate credit risk assessment affects an organisation's balance sheet and income statement, since credit risk strategy determines pricing, and might even influence seemingly unrelated domains, e.g....