%PDF-1.6
%
1 0 obj
<>
endobj
2 0 obj
<>stream
Xiangxiang Zeng, Li Liu, Stephen Leung, Jiangze Du, Xun Wang, Tao Li
A decision support model for investment on P2P lending platform
www.plosone.org
www.plosone.org
endstream
endobj
3 0 obj
<>/XObject<>>>/CropBox[0 0 612 792]/MediaBox[0 0 612 792]/Parent 9 0 R/Annots 10 0 R/Contents 11 0 R/TrimBox[0 0 612 792]>>
endobj
10 0 obj
[12 0 R 13 0 R 14 0 R 15 0 R 16 0 R 17 0 R 18 0 R 19 0 R 20 0 R 21 0 R 22 0 R 23 0 R 24 0 R 25 0 R 26 0 R 27 0 R 28 0 R 29 0 R]
endobj
12 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref001)>>
endobj
13 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref002)>>
endobj
14 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref003)>>
endobj
15 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref004)>>
endobj
16 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref005)>>
endobj
17 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref006)>>
endobj
18 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref007)>>
endobj
19 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref008)>>
endobj
20 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref009)>>
endobj
21 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref010)>>
endobj
22 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref011)>>
endobj
23 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref012)>>
endobj
24 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref013)>>
endobj
25 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref014)>>
endobj
26 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref015)>>
endobj
27 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref016)>>
endobj
28 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref017)>>
endobj
29 0 obj
<>/Border[0 0 0]/A 30 0 R>>
endobj
30 0 obj
<>
endobj
11 0 obj
[31 0 R 32 0 R 33 0 R 34 0 R 35 0 R 36 0 R 37 0 R 38 0 R 39 0 R 40 0 R 41 0 R 42 0 R 43 0 R 44 0 R 45 0 R 46 0 R 47 0 R 48 0 R]
endobj
31 0 obj
<>stream
q
0.83 0.64 0.02 0 k
284.9953 602.3055 m
289.7575 602.3055 l
h
f*
550.0346 576.3402 m
554.7969 576.3402 l
h
f*
437.1591 524.2961 m
441.9213 524.2961 l
h
f*
376.4409 472.3087 m
381.2031 472.3087 l
h
f*
486.3118 472.3087 m
491.074 472.3087 l
h
f*
294.9732 446.3433 m
299.7354 446.3433 l
h
f*
335.2819 394.2992 m
340.0441 394.2992 l
h
f*
203.4142 355.3512 m
208.1764 355.3512 l
h
f*
496.0063 329.3291 m
500.7685 329.3291 l
h
f*
417.9969 303.3071 m
427.5213 303.3071 l
h
f*
219.8551 277.3417 m
229.3795 277.3417 l
h
f*
458.5323 251.3197 m
468.0567 251.3197 l
h
f*
534.3874 225.2976 m
543.9118 225.2976 l
h
f*
393.3921 186.3496 m
402.9165 186.3496 l
h
f*
203.4142 160.3276 m
212.9386 160.3276 l
h
f*
514.9984 121.3228 m
524.5228 121.3228 l
h
f*
282.3307 82.3181 m
291.8551 82.3181 l
h
f*
0 g
1 j
1 J
0 w
10 0 0 10 200.0125 707.4141 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(each)Tj
2.0295 0 Td
(lender)Tj
2.761 0 Td
(can)Tj
1.6214 0 Td
(not)Tj
1.576 0 Td
(only)Tj
1.9786 0 Td
(obtain)Tj
2.7779 0 Td
(the)Tj
1.474 0 Td
(loan's)Tj
2.5285 0 Td
(financial)Tj
3.6794 0 Td
(information,)Tj
5.3007 0 Td
(but)Tj
1.5534 0 Td
(also)Tj
1.7688 0 Td
(evaluate)Tj
3.4583 0 Td
(the)Tj
1.474 0 Td
(risk)Tj
1.7121 0 Td
(of)Tj
-35.6936 -1.3039 Td
(bidding)Tj
3.3278 0 Td
(according)Tj
4.1896 0 Td
(to)Tj
1.0261 0 Td
(the)Tj
1.4684 0 Td
(borrower's)Tj
4.5354 0 Td
(social)Tj
2.4604 0 Td
(characteristic.)Tj
5.7713 0 Td
(On)Tj
1.5137 0 Td
(the)Tj
1.4683 0 Td
(other)Tj
2.3471 0 Td
(hand,)Tj
2.4888 0 Td
(Prosper,)Tj
3.5546 0 Td
(as)Tj
1.0148 0 Td
(an)Tj
-35.1663 -1.2982 Td
(intermediary)Tj
5.4254 0 Td
(agent)Tj
2.3925 0 Td
(of)Tj
1.0148 0 Td
(P2P)Tj
1.8084 0 Td
(lending,)Tj
3.4753 0 Td
(collects)Tj
3.1464 0 Td
(many)Tj
2.4775 0 Td
(borrowers)Tj
4.3256 0 Td
(and)Tj
1.7292 0 Td
(lenders,)Tj
3.3505 0 Td
(help)Tj
1.9332 0 Td
(users)Tj
2.262 0 Td
(borrow)Tj
-33.3408 -1.2983 Td
(money)Tj
2.9706 0 Td
(quickly)Tj
3.1465 0 Td
(or)Tj
1.0941 0 Td
(gain)Tj
1.9389 0 Td
(benefits)Tj
3.3336 0 Td
(by)Tj
1.1848 0 Td
(investing.)Tj
4.0762 0 Td
(In)Tj
1.1112 0 Td
(this)Tj
1.6724 0 Td
(Internet)Tj
3.4753 0 Td
(platform,)Tj
3.9231 0 Td
(investors)Tj
3.8154 0 Td
(and)Tj
1.7291 0 Td
(borrowers)Tj
-33.4712 -1.2983 Td
(form)Tj
2.2053 0 Td
(an)Tj
/F11 1 Tf
1.2019 0 Td
[()]TJ
/F6 1 Tf
(-to-)Tj
/F11 1 Tf
[()]TJ
/F6 1 Tf
3.2938 0 Td
(relation)Tj
3.3165 0 Td
(model)Tj
2.7439 0 Td
(called)Tj
2.5172 0 Td
(bipartite)Tj
3.6056 0 Td
(graph,)Tj
2.761 0 Td
(in)Tj
1.0374 0 Td
(which)Tj
2.6476 0 Td
(a)Tj
0.6576 0 Td
(lender)Tj
2.7609 0 Td
(can)Tj
1.6215 0 Td
(invest)Tj
/F11 1 Tf
2.5738 0 Td
[()]TJ
/F6 1 Tf
0.9184 0 Td
(loans,)Tj
-33.8624 -1.3039 Td
(and)Tj
1.7291 0 Td
(a)Tj
0.6519 0 Td
(loan)Tj
1.9559 0 Td
(may)Tj
1.9276 0 Td
(be)Tj
1.1508 0 Td
(accepted)Tj
3.6907 0 Td
(by)Tj
/F11 1 Tf
1.1849 0 Td
[()]TJ
/F6 1 Tf
1.0885 0 Td
(investors.)Tj
-12.1832 -1.2982 Td
(P2P)Tj
1.8141 0 Td
(lending,)Tj
3.4753 0 Td
(as)Tj
1.0148 0 Td
(a)Tj
0.6519 0 Td
(burgeoning)Tj
4.8529 0 Td
(financial)Tj
3.6737 0 Td
(market,)Tj
3.2938 0 Td
(becomes)Tj
3.6851 0 Td
(a)Tj
0.6519 0 Td
(new)Tj
1.8765 0 Td
(field)Tj
1.9729 0 Td
(for)Tj
1.3833 0 Td
(academic)Tj
3.9742 0 Td
(research.)Tj
-33.5166 -1.2983 Td
(In)Tj
1.1055 0 Td
(recent)Tj
2.7099 0 Td
(years,)Tj
2.4888 0 Td
(the)Tj
1.474 0 Td
(social)Tj
2.4548 0 Td
(networking)Tj
4.8302 0 Td
(services)Tj
3.3051 0 Td
(on)Tj
1.2756 0 Td
(P2P)Tj
1.8142 0 Td
(lending)Tj
3.2485 0 Td
(have)Tj
2.0579 0 Td
(been)Tj
2.126 0 Td
(explored)Tj
3.702 0 Td
(extensively.)Tj
-32.5925 -1.3039 Td
(Berger)Tj
2.8516 0 Td
(and)Tj
1.7348 0 Td
(Gleisner)Tj
3.5716 0 Td
([)Tj
0.83 0.64 0.02 0 k
(1)Tj
0 g
(])Tj
1.3776 0 Td
(found)Tj
2.6192 0 Td
(that)Tj
1.7802 0 Td
(these)Tj
2.2507 0 Td
(market)Tj
3.067 0 Td
(participants)Tj
4.955 0 Td
(act)Tj
1.3776 0 Td
(as)Tj
1.0148 0 Td
(financial)Tj
3.6737 0 Td
(intermediary)Tj
5.4311 0 Td
(and)Tj
-35.7049 -1.2983 Td
(can)Tj
1.627 0 Td
(significantly)Tj
5.0853 0 Td
(improve)Tj
3.583 0 Td
(borrowers')Tj
4.5354 0 Td
(credit)Tj
2.5342 0 Td
(conditions)Tj
4.473 0 Td
(by)Tj
1.1849 0 Td
(reducing)Tj
3.7757 0 Td
(information)Tj
5.074 0 Td
(asymmetries,)Tj
-31.8725 -1.2983 Td
(predominantly)Tj
6.1851 0 Td
(for)Tj
1.3833 0 Td
(borrowers)Tj
4.3256 0 Td
(with)Tj
1.9956 0 Td
(less)Tj
1.6101 0 Td
(attractive)Tj
3.9231 0 Td
(risk)Tj
1.7178 0 Td
(characteristics.)Tj
6.1285 0 Td
(Freedman)Tj
4.2973 0 Td
(and)Tj
1.7291 0 Td
(Jin)Tj
1.3663 0 Td
([)Tj
0.83 0.64 0.02 0 k
(2)Tj
0 g
(])Tj
-34.6618 -1.3039 Td
(examined)Tj
4.1272 0 Td
(what)Tj
2.1656 0 Td
(information)Tj
5.074 0 Td
(problems)Tj
3.9742 0 Td
(exist)Tj
2.0352 0 Td
(on)Tj
1.2756 0 Td
(Prosper)Tj
3.3279 0 Td
(and)Tj
1.7347 0 Td
(whether)Tj
3.4753 0 Td
(social)Tj
2.4605 0 Td
(networks)Tj
3.9061 0 Td
(can)Tj
1.6271 0 Td
(help)Tj
-35.1834 -1.2982 Td
(alleviate)Tj
3.4469 0 Td
(the)Tj
1.4683 0 Td
(information)Tj
5.0796 0 Td
(problems.)Tj
4.1953 0 Td
(They)Tj
2.2394 0 Td
(found)Tj
2.6191 0 Td
(that)Tj
1.7745 0 Td
(the)Tj
1.474 0 Td
(estimated)Tj
4.0706 0 Td
(returns)Tj
3.1237 0 Td
(of)Tj
1.0148 0 Td
(groups)Tj
2.965 0 Td
(loans)Tj
2.3188 0 Td
(are)Tj
-35.79 -1.2983 Td
(significantly)Tj
5.0853 0 Td
(lower)Tj
2.4548 0 Td
(than)Tj
2.0296 0 Td
(those)Tj
2.3357 0 Td
(of)Tj
1.0148 0 Td
(non-group)Tj
4.5637 0 Td
(loans)Tj
2.3188 0 Td
(partially)Tj
3.4866 0 Td
(due)Tj
1.7007 0 Td
(to)Tj
1.0262 0 Td
(lender)Tj
2.7609 0 Td
(learning)Tj
3.5206 0 Td
(and)Tj
1.7348 0 Td
(partially)Tj
-34.0325 -1.3039 Td
(due)Tj
1.6951 0 Td
(to)Tj
1.0261 0 Td
(Prosper)Tj
3.3335 0 Td
(eliminating)Tj
4.8019 0 Td
(group)Tj
2.6078 0 Td
(leader)Tj
2.6476 0 Td
(rewards.)Tj
3.6226 0 Td
(Lin)Tj
1.5704 0 Td
(et)Tj
0.9411 0 Td
(al.)Tj
1.1282 0 Td
([)Tj
0.83 0.64 0.02 0 k
(3)Tj
0 g
(])Tj
1.372 0 Td
(tested)Tj
2.5568 0 Td
(whether)Tj
3.4752 0 Td
(social)Tj
2.4605 0 Td
(networks)Tj
-33.2388 -1.2983 Td
(lead)Tj
1.8481 0 Td
(to)Tj
1.0262 0 Td
(better)Tj
2.5455 0 Td
(lending)Tj
3.2428 0 Td
(outcomes,)Tj
4.3143 0 Td
(focusing)Tj
3.6056 0 Td
(on)Tj
1.2756 0 Td
(the)Tj
1.474 0 Td
(distinction)Tj
4.5297 0 Td
(between)Tj
3.532 0 Td
(the)Tj
1.4683 0 Td
(structural)Tj
4.0819 0 Td
(and)Tj
1.7291 0 Td
(rela-)Tj
-34.6731 -1.2982 Td
(tional)Tj
2.5171 0 Td
(network)Tj
3.5546 0 Td
(measures)Tj
3.9402 0 Td
(that)Tj
1.7744 0 Td
(are)Tj
1.4514 0 Td
(associated)Tj
4.2576 0 Td
(with)Tj
1.9956 0 Td
(a)Tj
0.6576 0 Td
(higher)Tj
2.8006 0 Td
(likelihood)Tj
4.2349 0 Td
(of)Tj
1.0148 0 Td
(a)Tj
0.652 0 Td
(loan)Tj
1.9559 0 Td
(being)Tj
2.4321 0 Td
(funded,)Tj
3.2882 0 Td
(a)Tj
-36.527 -1.2983 Td
(lower)Tj
2.4491 0 Td
(risk)Tj
1.7178 0 Td
(of)Tj
1.0147 0 Td
(default,)Tj
3.1918 0 Td
(and)Tj
1.7292 0 Td
(lower)Tj
2.4548 0 Td
(interest)Tj
3.2087 0 Td
(rates.)Tj
2.3358 0 Td
(The)Tj
1.7801 0 Td
(social)Tj
2.4605 0 Td
(networks)Tj
3.9061 0 Td
(approaches)Tj
4.7395 0 Td
(were)Tj
2.1203 0 Td
(also)Tj
1.7688 0 Td
(ap-)Tj
-34.8772 -1.3039 Td
(plied)Tj
2.1996 0 Td
(in)Tj
1.0375 0 Td
(other)Tj
2.3471 0 Td
(fields,)Tj
2.5568 0 Td
(such)Tj
2.0636 0 Td
(as)Tj
1.0148 0 Td
(bioinformatics)Tj
6.0831 0 Td
([)Tj
0.83 0.64 0.02 0 k
(4)Tj
0 g
(].)Tj
1.6044 0 Td
(Collier)Tj
2.9424 0 Td
(and)Tj
1.7291 0 Td
(Hampshire)Tj
4.7111 0 Td
([)Tj
0.83 0.64 0.02 0 k
(5)Tj
0 g
(])Tj
1.3777 0 Td
(draw)Tj
2.2337 0 Td
(on)Tj
1.2755 0 Td
(the)Tj
1.4684 0 Td
(theory)Tj
-34.6448 -1.2983 Td
(from)Tj
2.2053 0 Td
(the)Tj
1.4683 0 Td
(Principle-Agent)Tj
6.616 0 Td
(perspective)Tj
4.6999 0 Td
(to)Tj
1.0261 0 Td
(empirically)Tj
4.6885 0 Td
(examine)Tj
3.5999 0 Td
(the)Tj
1.4741 0 Td
(signals)Tj
2.9026 0 Td
(that)Tj
1.7745 0 Td
(enhance)Tj
3.5546 0 Td
(commu-)Tj
-34.0098 -1.2983 Td
(nity)Tj
1.7858 0 Td
(reputation.)Tj
4.6431 0 Td
(Sergio)Tj
2.7269 0 Td
([)Tj
0.83 0.64 0.02 0 k
(6)Tj
0 g
(])Tj
1.3776 0 Td
(measured)Tj
4.1046 0 Td
(the)Tj
1.474 0 Td
(influence)Tj
3.9118 0 Td
(of)Tj
1.0148 0 Td
(social)Tj
2.4604 0 Td
(interactions)Tj
4.9663 0 Td
(in)Tj
1.0375 0 Td
(the)Tj
1.4683 0 Td
(risk)Tj
1.7178 0 Td
(evaluation)Tj
-32.6889 -1.3039 Td
(of)Tj
1.0147 0 Td
(a)Tj
0.652 0 Td
(money)Tj
2.9764 0 Td
(request;)Tj
3.3562 0 Td
(with)Tj
1.9955 0 Td
(a)Tj
0.6577 0 Td
(special)Tj
2.8913 0 Td
(focus)Tj
2.3244 0 Td
(on)Tj
1.2756 0 Td
(the)Tj
1.4683 0 Td
(impact)Tj
2.982 0 Td
(of)Tj
1.0148 0 Td
(one-to-one)Tj
4.6828 0 Td
(and)Tj
1.7292 0 Td
(one-to-many)Tj
5.4651 0 Td
(rela-)Tj
-34.486 -1.2982 Td
(tionships.)Tj
4.0988 0 Td
(His)Tj
1.6158 0 Td
(results)Tj
2.8119 0 Td
(showed)Tj
3.2485 0 Td
(that)Tj
1.7801 0 Td
(fostering)Tj
3.7474 0 Td
(social)Tj
2.4605 0 Td
(features)Tj
3.3448 0 Td
(increases)Tj
3.8325 0 Td
(the)Tj
1.474 0 Td
(chances)Tj
3.3618 0 Td
(of)Tj
1.0148 0 Td
(getting)Tj
2.9821 0 Td
(a)Tj
-35.773 -1.2983 Td
(loan)Tj
1.9558 0 Td
(fully)Tj
1.9843 0 Td
(funded,)Tj
3.2882 0 Td
(when)Tj
2.4037 0 Td
(financial)Tj
3.6737 0 Td
(features)Tj
3.3505 0 Td
(are)Tj
1.4457 0 Td
(not)Tj
1.576 0 Td
(sufficient)Tj
3.9118 0 Td
(to)Tj
1.0262 0 Td
(construct)Tj
3.9798 0 Td
(a)Tj
0.6519 0 Td
(differentiating)Tj
5.9358 0 Td
(suc-)Tj
-35.1834 -1.3039 Td
(cessful)Tj
2.8516 0 Td
(credit)Tj
2.5285 0 Td
(request.)Tj
3.3562 0 Td
(Chen)Tj
2.3867 0 Td
(et)Tj
0.9411 0 Td
(al.)Tj
1.1225 0 Td
([)Tj
0.83 0.64 0.02 0 k
(7)Tj
0 g
(])Tj
1.3777 0 Td
(described)Tj
4.0535 0 Td
(an)Tj
1.2019 0 Td
(approach)Tj
3.9514 0 Td
(to)Tj
1.0262 0 Td
(measure)Tj
3.5829 0 Td
(the)Tj
1.4684 0 Td
(entrepreneurship)Tj
-29.8486 -1.2983 Td
(orientation)Tj
4.6884 0 Td
(of)Tj
1.0148 0 Td
(online)Tj
2.7609 0 Td
(P2P)Tj
1.8142 0 Td
(lending)Tj
3.2485 0 Td
(platforms.)Tj
-12.3306 -1.2983 Td
(Some)Tj
2.4491 0 Td
(researchers)Tj
4.7111 0 Td
(take)Tj
1.8709 0 Td
(the)Tj
1.4683 0 Td
(perspective)Tj
4.7055 0 Td
(of)Tj
1.0148 0 Td
(borrowers)Tj
4.32 0 Td
(when)Tj
2.4037 0 Td
(developing)Tj
4.6035 0 Td
(a)Tj
0.6519 0 Td
(model.)Tj
2.9707 0 Td
(Wu)Tj
1.7121 0 Td
(and)Tj
1.7292 0 Td
(Xu)Tj
-35.807 -1.2982 Td
([)Tj
0.83 0.64 0.02 0 k
(8)Tj
0 g
(])Tj
1.3719 0 Td
(proposed)Tj
3.9572 0 Td
(a)Tj
0.6519 0 Td
(decision)Tj
3.5433 0 Td
(support)Tj
3.3222 0 Td
(system)Tj
2.9367 0 Td
(based)Tj
2.4718 0 Td
(on)Tj
1.2755 0 Td
(intelligent)Tj
4.252 0 Td
(agents)Tj
2.7552 0 Td
(in)Tj
1.0318 0 Td
(P2P)Tj
1.8142 0 Td
(lending)Tj
3.2485 0 Td
(for)Tj
1.3833 0 Td
(borrow-)Tj
-34.0155 -1.3039 Td
(ers.)Tj
1.5987 0 Td
(The)Tj
1.7858 0 Td
(system)Tj
2.9367 0 Td
(provides)Tj
3.651 0 Td
(borrowers)Tj
4.3199 0 Td
(with)Tj
2.0013 0 Td
(individual)Tj
4.2859 0 Td
(risk)Tj
1.7178 0 Td
(assessment,)Tj
4.8359 0 Td
(eligible)Tj
3.0614 0 Td
(lender)Tj
2.7609 0 Td
(search,)Tj
-32.9553 -1.2983 Td
(lending)Tj
3.2484 0 Td
(combination)Tj
5.3461 0 Td
(and)Tj
1.7292 0 Td
(loan)Tj
1.9559 0 Td
(recommendation.)Tj
7.3643 0 Td
(The)Tj
1.7802 0 Td
(empirical)Tj
3.9911 0 Td
(results)Tj
2.812 0 Td
(in)Tj
1.0318 0 Td
([)Tj
0.83 0.64 0.02 0 k
(9)Tj
0 g
(])Tj
1.3776 0 Td
(displayed)Tj
3.9798 0 Td
(that)Tj
-34.6164 -1.2983 Td
(borrower')Tj
4.1782 0 Td
(decisions,)Tj
4.1272 0 Td
(such)Tj
2.0636 0 Td
(as)Tj
1.0148 0 Td
(loan)Tj
1.9559 0 Td
(amount)Tj
3.3562 0 Td
(and)Tj
1.7291 0 Td
(interest)Tj
3.2088 0 Td
(rate,)Tj
1.9729 0 Td
(will)Tj
1.6668 0 Td
(determine)Tj
4.32 0 Td
(whether)Tj
3.4752 0 Td
(he)Tj
1.1736 0 Td
(or)Tj
1.0998 0 Td
(she)Tj
-35.3421 -1.3039 Td
(could)Tj
2.4434 0 Td
(successfully)Tj
4.8586 0 Td
(find)Tj
1.8481 0 Td
(loans)Tj
2.3074 0 Td
(or)Tj
1.0942 0 Td
(not.)Tj
1.7915 0 Td
(Herzenstein)Tj
5.0569 0 Td
(et)Tj
0.9355 0 Td
(al.)Tj
1.1225 0 Td
([)Tj
0.83 0.64 0.02 0 k
(10)Tj
0 g
(])Tj
1.8425 0 Td
(gave)Tj
1.9956 0 Td
(specific)Tj
3.1804 0 Td
(suggestions)Tj
4.8019 0 Td
(to)Tj
1.0204 0 Td
(borrow-)Tj
-34.2989 -1.2982 Td
(ers)Tj
1.3719 0 Td
(to)Tj
1.0261 0 Td
(increase)Tj
3.4753 0 Td
(their)Tj
2.109 0 Td
(chances)Tj
3.3618 0 Td
(of)Tj
1.0148 0 Td
(receiving)Tj
3.8608 0 Td
(funding)Tj
3.3959 0 Td
(in)Tj
1.0318 0 Td
(P2P)Tj
1.8141 0 Td
(lending)Tj
3.2485 0 Td
(communities.)Tj
5.709 0 Td
(Pope)Tj
2.228 0 Td
(and)Tj
1.7291 0 Td
(Syd-)Tj
-35.3761 -1.2983 Td
(nor)Tj
1.644 0 Td
([)Tj
0.83 0.64 0.02 0 k
(11)Tj
0 g
(])Tj
1.8539 0 Td
(discovered)Tj
4.507 0 Td
(that)Tj
1.7802 0 Td
(loan)Tj
1.9502 0 Td
(listings)Tj
3.0387 0 Td
(with)Tj
1.9956 0 Td
(blacks)Tj
2.6872 0 Td
(in)Tj
1.0375 0 Td
(the)Tj
1.4683 0 Td
(attached)Tj
3.5887 0 Td
(picture)Tj
3.05 0 Td
(are)Tj
1.4457 0 Td
(25%)Tj
1.9276 0 Td
(to)Tj
1.0261 0 Td
(35%)Tj
1.9275 0 Td
(less)Tj
-34.9282 -1.3039 Td
(likely)Tj
2.3527 0 Td
(to)Tj
1.0261 0 Td
(receive)Tj
3.0047 0 Td
(funding)Tj
3.3959 0 Td
(than)Tj
2.0296 0 Td
(those)Tj
2.3357 0 Td
(of)Tj
1.0148 0 Td
(whites)Tj
2.7836 0 Td
(with)Tj
1.9956 0 Td
(similar)Tj
2.9877 0 Td
(credit)Tj
2.5285 0 Td
(profiles.)Tj
-24.2587 -1.2983 Td
(To)Tj
1.3379 0 Td
(help)Tj
1.9389 0 Td
(investors)Tj
3.8097 0 Td
(make)Tj
2.3925 0 Td
(better)Tj
2.5455 0 Td
(investment)Tj
4.6601 0 Td
(decision,)Tj
3.77 0 Td
(Luo)Tj
1.7972 0 Td
(et)Tj
0.9411 0 Td
(al.)Tj
1.1225 0 Td
([)Tj
0.83 0.64 0.02 0 k
(12)Tj
0 g
(])Tj
1.8538 0 Td
(proposed)Tj
3.9515 0 Td
(a)Tj
0.652 0 Td
(data)Tj
1.9162 0 Td
(driven)Tj
-33.8851 -1.2983 Td
(investment)Tj
4.6601 0 Td
(decision-making)Tj
6.9278 0 Td
(framework,)Tj
4.8416 0 Td
(which)Tj
2.6475 0 Td
(exploits)Tj
3.3108 0 Td
(the)Tj
1.4684 0 Td
(investor)Tj
3.4526 0 Td
(composition)Tj
5.2383 0 Td
(of)Tj
1.0148 0 Td
(each)Tj
-33.5619 -1.3039 Td
(investment)Tj
4.6601 0 Td
(for)Tj
1.3889 0 Td
(enhancing)Tj
4.4051 0 Td
(decisions)Tj
3.9061 0 Td
(in)Tj
1.0374 0 Td
(P2P)Tj
1.8142 0 Td
(Lending.)Tj
3.7644 0 Td
(Katherine)Tj
4.1839 0 Td
(and)Tj
1.7348 0 Td
(Herrero-Lopez)Tj
6.2022 0 Td
([)Tj
0.83 0.64 0.02 0 k
(13)Tj
0 g
(])Tj
1.8538 0 Td
(exam-)Tj
-34.9509 -1.2982 Td
(ined)Tj
1.9842 0 Td
(the)Tj
1.4683 0 Td
(behavior)Tj
3.7134 0 Td
(of)Tj
1.0148 0 Td
(lender)Tj
2.7609 0 Td
(in)Tj
1.0375 0 Td
(a)Tj
0.652 0 Td
(large)Tj
2.1599 0 Td
(peer-to-peer)Tj
5.1987 0 Td
(lending)Tj
3.2485 0 Td
(network)Tj
3.549 0 Td
(and)Tj
1.7291 0 Td
(find)Tj
1.8539 0 Td
(that,)Tj
2.0012 0 Td
(while)Tj
2.3697 0 Td
(there)Tj
-34.7411 -1.2983 Td
(exists)Tj
2.3924 0 Td
(high)Tj
2.0126 0 Td
(variance)Tj
3.5716 0 Td
(in)Tj
1.0375 0 Td
(risk-taking)Tj
4.5751 0 Td
(between)Tj
3.5319 0 Td
(individuals,)Tj
4.8699 0 Td
(many)Tj
2.4775 0 Td
(transactions)Tj
5.0739 0 Td
(represent)Tj
3.9572 0 Td
(sub-opti-)Tj
-33.4996 -1.2983 Td
(mal)Tj
1.7177 0 Td
(decisions)Tj
3.9062 0 Td
(on)Tj
1.2755 0 Td
(the)Tj
1.4684 0 Td
(part)Tj
1.8425 0 Td
(of)Tj
1.0148 0 Td
(lenders.)Tj
3.3505 0 Td
(Lauri)Tj
2.3584 0 Td
(et)Tj
0.9411 0 Td
(al.)Tj
1.1225 0 Td
([)Tj
0.83 0.64 0.02 0 k
(14)Tj
0 g
(])Tj
1.8539 0 Td
(introduced)Tj
4.6431 0 Td
(a)Tj
0.652 0 Td
(Borrower)Tj
4.0365 0 Td
(Decision)Tj
3.753 0 Td
(Aid)Tj
-33.9361 -1.3039 Td
(which)Tj
2.6475 0 Td
(helps)Tj
2.296 0 Td
(formalize)Tj
3.9912 0 Td
(the)Tj
1.4683 0 Td
(decision)Tj
3.549 0 Td
(making)Tj
3.2485 0 Td
(process)Tj
3.1861 0 Td
(of)Tj
1.0148 0 Td
(the)Tj
1.4683 0 Td
(sellers,)Tj
2.88 0 Td
(or)Tj
1.0942 0 Td
(borrowers.)Tj
4.5524 0 Td
(Singh)Tj
2.5001 0 Td
(et)Tj
0.9411 0 Td
(al.)Tj
-34.8375 -1.2983 Td
([)Tj
0.83 0.64 0.02 0 k
(15)Tj
0 g
(])Tj
1.8481 0 Td
(focused)Tj
3.2825 0 Td
(on)Tj
1.2756 0 Td
(risk)Tj
1.7121 0 Td
(and)Tj
1.7291 0 Td
(return)Tj
2.761 0 Td
(of)Tj
1.0148 0 Td
(investments)Tj
5.0286 0 Td
(on)Tj
1.2756 0 Td
(Prosper.)Tj
3.5546 0 Td
(They)Tj
2.2337 0 Td
(found)Tj
2.6192 0 Td
(that)Tj
1.7801 0 Td
(within)Tj
2.812 0 Td
(each)Tj
2.0296 0 Td
(credit)Tj
-34.9566 -1.2982 Td
(grade,)Tj
2.6645 0 Td
(there)Tj
2.2677 0 Td
(exist)Tj
2.0353 0 Td
(subgroups)Tj
4.3653 0 Td
(which)Tj
2.6475 0 Td
(give)Tj
1.8312 0 Td
(positive)Tj
3.3165 0 Td
(return.)Tj
2.9877 0 Td
(For)Tj
1.6214 0 Td
(these)Tj
2.2564 0 Td
(subgroups,)Tj
4.5921 0 Td
(risk)Tj
1.7121 0 Td
(is)Tj
0.8504 0 Td
(aligned)Tj
-33.1481 -1.3039 Td
(with)Tj
1.9955 0 Td
(return.)Tj
2.9877 0 Td
(In)Tj
1.1055 0 Td
(addition,)Tj
3.8268 0 Td
(the)Tj
1.4683 0 Td
(groups)Tj
2.9707 0 Td
(of)Tj
1.0148 0 Td
(loans)Tj
2.3131 0 Td
(with)Tj
2.0012 0 Td
(lower)Tj
2.4491 0 Td
(credit)Tj
2.5342 0 Td
(grades)Tj
2.8006 0 Td
(are)Tj
1.4513 0 Td
(more)Tj
2.3414 0 Td
(efficient)Tj
3.4469 0 Td
(in)Tj
-34.7071 -1.2983 Td
(terms)Tj
2.4944 0 Td
(of)Tj
1.0148 0 Td
(risk)Tj
1.7121 0 Td
(and)Tj
1.7348 0 Td
(return)Tj
2.761 0 Td
(alignment)Tj
4.2689 0 Td
(than)Tj
2.0296 0 Td
(those)Tj
2.3357 0 Td
(with)Tj
1.9956 0 Td
(higher)Tj
2.8063 0 Td
(credit)Tj
2.5285 0 Td
(grades.)Tj
3.0274 0 Td
(Klafft)Tj
2.4491 0 Td
([)Tj
0.83 0.64 0.02 0 k
(16)Tj
0 g
(])Tj
1.8538 0 Td
(demon-)Tj
-33.012 -1.2983 Td
(strated)Tj
2.931 0 Td
(that)Tj
1.7801 0 Td
(following)Tj
3.9798 0 Td
(some)Tj
2.3301 0 Td
(simple)Tj
2.8573 0 Td
(investment)Tj
4.6601 0 Td
(rules)Tj
2.1487 0 Td
(may)Tj
1.9332 0 Td
(improve)Tj
3.5773 0 Td
(profitability)Tj
4.9436 0 Td
(of)Tj
1.0148 0 Td
(a)Tj
0.6519 0 Td
(portfolio)Tj
-32.8079 -1.3039 Td
(and)Tj
1.7291 0 Td
(lead)Tj
1.8538 0 Td
(to)Tj
1.0205 0 Td
(acceptable)Tj
4.354 0 Td
(returns)Tj
3.1181 0 Td
(for)Tj
1.3889 0 Td
(all)Tj
1.1452 0 Td
(credit)Tj
2.5342 0 Td
(rating)Tj
2.6022 0 Td
(categories)Tj
4.1952 0 Td
(with)Tj
1.9956 0 Td
(an)Tj
1.2019 0 Td
(exception)Tj
4.0988 0 Td
(of)Tj
1.0148 0 Td
(the)Tj
1.4684 0 Td
(high-risk)Tj
-33.7207 -1.2982 Td
(ones.)Tj
2.2847 0 Td
(Garman)Tj
3.5432 0 Td
(et)Tj
0.9411 0 Td
(al.)Tj
1.1226 0 Td
([)Tj
0.83 0.64 0.02 0 k
(17)Tj
0 g
(])Tj
1.8538 0 Td
(introduced)Tj
4.6431 0 Td
(the)Tj
1.4684 0 Td
(concept)Tj
3.3618 0 Td
(of)Tj
1.0148 0 Td
(a)Tj
0.652 0 Td
(research)Tj
3.5603 0 Td
(premium,)Tj
4.1896 0 Td
(which)Tj
2.6532 0 Td
(is)Tj
0.8447 0 Td
(the)Tj
1.4683 0 Td
(difference)Tj
ET
Q
q
1 j
1 J
0 w
576 737.1 m
36 737.1 l
36 737.6 l
576 737.6 l
f*
36 741.2598 107.1496 23.6976 re
W* n
q
107.0929 0 0 23.6409 36 741.3165 cm
q
/I0 Do
Q
Q
Q
q
0 0 612 792 re
W* n
1 j
1 J
0 w
7.9999 0 0 7.9999 353.9338 745.7952 cm
BT
/F0 1 Tf
1 TL
-0.005 Tc
0 0 Td
(A)Tj
0.8787 0 Td
(decision)Tj
3.8126 0 Td
(support)Tj
3.5008 0 Td
(model)Tj
2.8914 0 Td
(for)Tj
1.3748 0 Td
(investm)Tj
3.3874 0 Td
(ent)Tj
1.5875 0 Td
(on)Tj
1.311 0 Td
(P2P)Tj
2.0835 0 Td
(lending)Tj
3.3732 0 Td
(platform)Tj
ET
Q
q
1 j
1 J
0 w
36 48.0002 m
576 48.0002 l
576 47.5002 l
36 47.5002 l
f*
0.83 0.64 0.02 0 k
81.5811 34.9228 m
237.8835 34.9228 l
h
f*
0 g
7.9999 0 0 7.9999 36 36 cm
BT
/F0 1 Tf
1 TL
-0.005 Tc
0 0 Td
(PLOS)Tj
2.8559 0 Td
(ONE)Tj
2.3669 0 Td
(|)Tj
0.83 0.64 0.02 0 k
0.4748 0 Td
(https://doi.or)Tj
5.4142 0 Td
(g/10.137)Tj
3.8198 0 Td
(1/journal.po)Tj
5.1236 0 Td
(ne.01842)Tj
4.089 0 Td
(42)Tj
0 g
2.0906 0 Td
(September)Tj
5.0386 0 Td
(6,)Tj
1.0418 0 Td
(2017)Tj
32.8254 0 Td
(2)Tj
0.7654 0 Td
(/)Tj
ET
endstream
endobj
32 0 obj
<>stream
endstream
endobj
33 0 obj
<>stream
endstream
endobj
34 0 obj
<>stream
endstream
endobj
35 0 obj
<>stream
endstream
endobj
36 0 obj
<>stream
endstream
endobj
37 0 obj
<>stream
endstream
endobj
38 0 obj
<>stream
endstream
endobj
39 0 obj
<>stream
endstream
endobj
40 0 obj
<>stream
endstream
endobj
41 0 obj
<>stream
endstream
endobj
42 0 obj
<>stream
endstream
endobj
43 0 obj
<>stream
endstream
endobj
44 0 obj
<>stream
endstream
endobj
45 0 obj
<>stream
endstream
endobj
46 0 obj
<>stream
endstream
endobj
47 0 obj
<>stream
endstream
endobj
48 0 obj
<>stream
BT
66.402 0 Td
(18)Tj
ET
Q
endstream
endobj
49 0 obj
<>/XObject<>>>/CropBox[0 0 612 792]/MediaBox[0 0 612 792]/Parent 9 0 R/Annots 52 0 R/Contents 53 0 R/TrimBox[0 0 612 792]>>
endobj
52 0 obj
[54 0 R 55 0 R 56 0 R 57 0 R 58 0 R]
endobj
54 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref018)>>
endobj
55 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref019)>>
endobj
56 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.ref020)>>
endobj
57 0 obj
<>/Border[0 0 0]/Dest(Rpone.0184242.g001)>>
endobj
58 0 obj
<>/Border[0 0 0]/A 59 0 R>>
endobj
59 0 obj
<>
endobj
53 0 obj
[60 0 R 61 0 R 62 0 R 63 0 R 64 0 R 65 0 R 66 0 R 67 0 R]
endobj
60 0 obj
<>stream
q
0.83 0.64 0.02 0 k
447.5906 693.2976 m
457.115 693.2976 l
h
f*
508.0252 459.326 m
517.4929 459.326 l
h
f*
203.4142 446.3433 m
212.9386 446.3433 l
h
f*
367.3134 138.1039 m
386.9291 138.1039 l
h
f*
0 g
1 j
1 J
0 w
10 0 0 10 200.0125 707.4141 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(between)Tj
3.5262 0 Td
(the)Tj
1.4684 0 Td
(interest)Tj
3.2144 0 Td
(rate)Tj
1.7462 0 Td
(borrowers)Tj
4.3256 0 Td
(would)Tj
2.7099 0 Td
(pay)Tj
1.6271 0 Td
(in)Tj
1.0375 0 Td
(a)Tj
0.6519 0 Td
(market)Tj
3.0614 0 Td
(with)Tj
2.0013 0 Td
(costless)Tj
3.1974 0 Td
(search)Tj
2.761 0 Td
(and)Tj
1.7347 0 Td
(the)Tj
1.4684 0 Td
(mini-)Tj
-34.5314 -1.3039 Td
(mum)Tj
2.3867 0 Td
(interest)Tj
3.2088 0 Td
(rate)Tj
1.7518 0 Td
(they)Tj
1.9219 0 Td
(must)Tj
2.228 0 Td
(offer)Tj
2.0976 0 Td
(to)Tj
1.0262 0 Td
(induce)Tj
2.9366 0 Td
(search.)Tj
2.9877 0 Td
(Iyer)Tj
1.8085 0 Td
(et)Tj
0.9411 0 Td
(al.)Tj
1.1282 0 Td
([)Tj
0.83 0.64 0.02 0 k
(18)Tj
0 g
(])Tj
1.8482 0 Td
(evaluated)Tj
3.9911 0 Td
(whether)Tj
3.4753 0 Td
(lenders)Tj
-33.7377 -1.2982 Td
(in)Tj
1.0318 0 Td
(such)Tj
2.0636 0 Td
(peer-to-peer)Tj
5.1987 0 Td
(markets)Tj
3.4242 0 Td
(are)Tj
1.4457 0 Td
(able)Tj
1.8311 0 Td
(to)Tj
1.0262 0 Td
(use)Tj
1.5307 0 Td
(borrower)Tj
3.9628 0 Td
(information)Tj
5.0796 0 Td
(to)Tj
1.0205 0 Td
(infer)Tj
2.1203 0 Td
(creditworthiness.)Tj
-29.7352 -1.2983 Td
(They)Tj
2.2336 0 Td
(examined)Tj
4.1329 0 Td
(this)Tj
1.6725 0 Td
(capability)Tj
4.0705 0 Td
(using)Tj
2.3867 0 Td
(a)Tj
0.6577 0 Td
(methodology)Tj
5.4991 0 Td
(that)Tj
1.7802 0 Td
(takes)Tj
2.2337 0 Td
(advantage)Tj
4.2406 0 Td
(of)Tj
1.0148 0 Td
(the)Tj
1.4683 0 Td
(category)Tj
3.6 0 Td
(of)Tj
1.0148 0 Td
(the)Tj
-36.0054 -1.2983 Td
(borrowers)Tj
4.3199 0 Td
(and)Tj
1.7348 0 Td
(found)Tj
2.6192 0 Td
(that)Tj
1.7745 0 Td
(lenders)Tj
3.1237 0 Td
(are)Tj
1.4457 0 Td
(able)Tj
1.8312 0 Td
(to)Tj
1.0261 0 Td
(use)Tj
1.5307 0 Td
(available)Tj
3.668 0 Td
(information)Tj
5.0797 0 Td
(to)Tj
1.0204 0 Td
(infer)Tj
2.1203 0 Td
(creditworthi-)Tj
-31.2942 -1.3039 Td
(ness)Tj
1.9105 0 Td
(that)Tj
1.7801 0 Td
(is)Tj
0.8504 0 Td
(captured)Tj
3.7417 0 Td
(by)Tj
1.1792 0 Td
(a)Tj
0.6577 0 Td
(borrower's)Tj
4.5354 0 Td
(credit)Tj
2.5341 0 Td
(score.)Tj
-15.9929 -1.2982 Td
(P2P)Tj
1.8085 0 Td
(lending)Tj
3.2371 0 Td
(involves)Tj
3.4696 0 Td
(diverse)Tj
3.0387 0 Td
(elements,)Tj
3.9798 0 Td
(which)Tj
2.6419 0 Td
(renders)Tj
3.2371 0 Td
(research)Tj
3.5433 0 Td
(opportunities)Tj
5.6239 0 Td
(and)Tj
1.7178 0 Td
(challenges)Tj
-33.4939 -1.2983 Td
(that)Tj
1.7744 0 Td
(are)Tj
1.4514 0 Td
(under-explored)Tj
6.4516 0 Td
(currently.)Tj
4.1102 0 Td
(The)Tj
1.7801 0 Td
(goal)Tj
1.8765 0 Td
(of)Tj
1.0148 0 Td
(this)Tj
1.6725 0 Td
(paper)Tj
2.4831 0 Td
(is)Tj
0.8504 0 Td
(to)Tj
1.0205 0 Td
(predict)Tj
3.05 0 Td
(new)Tj
1.8765 0 Td
(investment)Tj
4.6658 0 Td
(abilities)Tj
-34.0778 -1.3039 Td
(of)Tj
1.0147 0 Td
(investors)Tj
3.8098 0 Td
(and)Tj
1.7291 0 Td
(filter)Tj
2.1146 0 Td
(good)Tj
2.2281 0 Td
(requests)Tj
3.4922 0 Td
(in)Tj
1.0375 0 Td
(new)Tj
1.8765 0 Td
(loans)Tj
2.3187 0 Td
(on)Tj
1.2756 0 Td
(the)Tj
1.4684 0 Td
(basis)Tj
2.1486 0 Td
(of)Tj
1.0148 0 Td
(the)Tj
1.4683 0 Td
(bipartite)Tj
3.6057 0 Td
(graph)Tj
2.5341 0 Td
(model.)Tj
-33.1367 -1.2983 Td
(This)Tj
1.9785 0 Td
(work)Tj
2.2734 0 Td
(focuses)Tj
3.1011 0 Td
(on)Tj
1.2699 0 Td
(synthesizing)Tj
5.1477 0 Td
(those)Tj
2.33 0 Td
(old)Tj
1.4967 0 Td
(manifestations)Tj
6.0661 0 Td
(of)Tj
1.0092 0 Td
(investors)Tj
3.804 0 Td
(in)Tj
1.0262 0 Td
(the)Tj
1.4626 0 Td
(past)Tj
1.8255 0 Td
(investments)Tj
-32.7909 -1.2983 Td
(and)Tj
1.7291 0 Td
(providing)Tj
4.1442 0 Td
(a)Tj
0.6576 0 Td
(comprehensive)Tj
6.2872 0 Td
(evaluation.)Tj
4.5865 0 Td
(The)Tj
1.7801 0 Td
(performance)Tj
5.3518 0 Td
(of)Tj
1.0148 0 Td
(old)Tj
1.4967 0 Td
(investors')Tj
4.0308 0 Td
(will)Tj
1.6611 0 Td
(help)Tj
1.9332 0 Td
(dis-)Tj
-34.6731 -1.3039 Td
(cover)Tj
2.398 0 Td
(and)Tj
1.7292 0 Td
(analyze)Tj
3.1748 0 Td
(good)Tj
2.228 0 Td
(new)Tj
1.8765 0 Td
(loans)Tj
2.3187 0 Td
(and)Tj
1.7291 0 Td
(reliable)Tj
3.1351 0 Td
(new)Tj
1.8766 0 Td
(investments)Tj
5.0286 0 Td
(according)Tj
4.1839 0 Td
(to)Tj
1.0261 0 Td
(the)Tj
1.4684 0 Td
(lending)Tj
3.2485 0 Td
(and)Tj
-35.4215 -1.2982 Td
(investing)Tj
3.855 0 Td
(model)Tj
2.744 0 Td
(generated)Tj
4.1329 0 Td
(from)Tj
2.2053 0 Td
(P2P)Tj
1.8142 0 Td
(lending)Tj
3.2484 0 Td
(data.)Tj
-16.8036 -1.2983 Td
(The)Tj
1.7858 0 Td
(organization)Tj
5.2781 0 Td
(of)Tj
1.0148 0 Td
(this)Tj
1.6781 0 Td
(paper)Tj
2.4831 0 Td
(is)Tj
0.8447 0 Td
(as)Tj
1.0148 0 Td
(follows:)Tj
3.2882 0 Td
(Section)Tj
3.1634 0 Td
(2)Tj
0.6917 0 Td
(defines)Tj
3.0614 0 Td
(a)Tj
/F11 1 Tf
0.6519 0 Td
[()]TJ
/F6 1 Tf
(-to-)Tj
/F11 1 Tf
[()]TJ
/F6 1 Tf
3.2939 0 Td
(relation)Tj
3.3165 0 Td
(model)Tj
-32.7626 -1.3039 Td
(called)Tj
2.5171 0 Td
(bipartite)Tj
3.6056 0 Td
(graph,)Tj
2.761 0 Td
(which)Tj
2.6532 0 Td
(is)Tj
0.8447 0 Td
(based)Tj
2.4718 0 Td
(on)Tj
1.2756 0 Td
(the)Tj
1.474 0 Td
(relation)Tj
3.3165 0 Td
(of)Tj
1.0148 0 Td
(investors)Tj
3.8097 0 Td
(and)Tj
1.7292 0 Td
(loans)Tj
2.3187 0 Td
(in)Tj
1.0375 0 Td
(P2P)Tj
1.8085 0 Td
(lending.)Tj
-32.6379 -1.2983 Td
(Section)Tj
3.1634 0 Td
(3)Tj
0.6916 0 Td
(quantitatively)Tj
5.6806 0 Td
(analyzes)Tj
3.5377 0 Td
(the)Tj
1.4683 0 Td
(comprehensive)Tj
6.2872 0 Td
(evaluation)Tj
4.3653 0 Td
(of)Tj
1.0148 0 Td
(new)Tj
1.8709 0 Td
(investors)Tj
3.8154 0 Td
(and)Tj
1.7291 0 Td
(unknown)Tj
-33.6243 -1.2982 Td
(status)Tj
2.5001 0 Td
(loans)Tj
2.313 0 Td
(by)Tj
1.1849 0 Td
(modeling)Tj
4.0252 0 Td
(an)Tj
1.2019 0 Td
(iteration)Tj
3.634 0 Td
(computation)Tj
5.3688 0 Td
(model.)Tj
2.9706 0 Td
(Section)Tj
3.1635 0 Td
(4)Tj
0.6973 0 Td
(gives)Tj
2.1883 0 Td
(an)Tj
1.2019 0 Td
(integrated)Tj
4.2803 0 Td
(deci-)Tj
-34.7298 -1.2983 Td
(sion)Tj
1.9048 0 Td
(model)Tj
2.7439 0 Td
(to)Tj
1.0205 0 Td
(help)Tj
1.9389 0 Td
(investors)Tj
3.8097 0 Td
(pick)Tj
1.9276 0 Td
(trustworthy)Tj
4.9152 0 Td
(loans.)Tj
2.5455 0 Td
(Section)Tj
3.1635 0 Td
(5)Tj
0.6973 0 Td
(validates)Tj
3.6623 0 Td
(the)Tj
1.474 0 Td
(effectiveness)Tj
5.1987 0 Td
(of)Tj
1.0148 0 Td
(the)Tj
-36.0167 -1.3039 Td
(proposed)Tj
3.9458 0 Td
(investment)Tj
4.6544 0 Td
(decision)Tj
3.5376 0 Td
(model)Tj
2.7383 0 Td
(on)Tj
1.2699 0 Td
(the)Tj
1.4627 0 Td
(basis)Tj
2.1429 0 Td
(of)Tj
1.0035 0 Td
(real)Tj
1.6894 0 Td
(world)Tj
2.5512 0 Td
(data)Tj
1.9049 0 Td
(from)Tj
2.1996 0 Td
(the)Tj
1.4627 0 Td
(Prosper)Tj
3.3222 0 Td
(platform.)Tj
-33.8851 -1.2983 Td
(By)Tj
1.2529 0 Td
(comparing)Tj
4.575 0 Td
(current)Tj
3.1862 0 Td
(experimental)Tj
5.4538 0 Td
(results)Tj
2.8119 0 Td
(with)Tj
1.9956 0 Td
(those)Tj
2.3358 0 Td
(obtained)Tj
3.736 0 Td
(by)Tj
1.1792 0 Td
(BayesNet)Tj
3.9345 0 Td
([)Tj
0.83 0.64 0.02 0 k
(19)Tj
0 g
(],)Tj
2.0749 0 Td
(Logistic)Tj
-32.5358 -1.2983 Td
([)Tj
0.83 0.64 0.02 0 k
(20)Tj
0 g
(],)Tj
2.0692 0 Td
(and)Tj
1.7292 0 Td
(Average,)Tj
3.6963 0 Td
(we)Tj
1.3209 0 Td
(show)Tj
2.2961 0 Td
(that)Tj
1.7745 0 Td
(our)Tj
1.6157 0 Td
(computation)Tj
5.3688 0 Td
(model)Tj
2.7382 0 Td
(can)Tj
1.6214 0 Td
(help)Tj
1.9276 0 Td
(investors)Tj
3.8097 0 Td
(make)Tj
2.3868 0 Td
(better)Tj
2.5341 0 Td
(invest-)Tj
-34.8885 -1.3039 Td
(ment)Tj
2.3073 0 Td
(decisions.)Tj
4.1329 0 Td
(In)Tj
1.1112 0 Td
(addition,)Tj
3.8211 0 Td
(our)Tj
1.6271 0 Td
(empirical)Tj
3.9854 0 Td
(results)Tj
2.812 0 Td
(demonstrate)Tj
5.2327 0 Td
(that)Tj
1.7802 0 Td
(the)Tj
1.4683 0 Td
(logistic)Tj
3.0557 0 Td
(classification)Tj
-31.3339 -1.2982 Td
(model)Tj
2.7439 0 Td
(and)Tj
1.7291 0 Td
(the)Tj
1.4683 0 Td
(proposed)Tj
3.9515 0 Td
(iteration)Tj
3.6397 0 Td
(computation)Tj
5.3631 0 Td
(model)Tj
2.7439 0 Td
(complement)Tj
5.2497 0 Td
(each)Tj
2.0296 0 Td
(other.)Tj
2.5739 0 Td
(As)Tj
1.2642 0 Td
(a)Tj
0.652 0 Td
(result,)Tj
2.6759 0 Td
(the)Tj
-36.0848 -1.2983 Td
(hybrid)Tj
2.8743 0 Td
(model)Tj
2.7439 0 Td
(\(i.e.,)Tj
1.9275 0 Td
(the)Tj
1.4684 0 Td
(integration)Tj
4.6488 0 Td
(of)Tj
1.0148 0 Td
(our)Tj
1.627 0 Td
(model)Tj
2.7439 0 Td
(and)Tj
1.7292 0 Td
(Logistic)Tj
3.3505 0 Td
(model\))Tj
3.0841 0 Td
(is)Tj
0.8447 0 Td
(more)Tj
2.3414 0 Td
(efficient)Tj
3.4469 0 Td
(and)Tj
1.7348 0 Td
(sta-)Tj
-35.5802 -1.3039 Td
(ble)Tj
1.3946 0 Td
(than)Tj
2.0296 0 Td
(each)Tj
2.0296 0 Td
(of)Tj
1.0148 0 Td
(the)Tj
1.4683 0 Td
(individual)Tj
4.286 0 Td
(model.)Tj
2.9707 0 Td
(Finally,)Tj
3.1691 0 Td
(Section)Tj
3.1634 0 Td
(6)Tj
0.6973 0 Td
(presents)Tj
3.5263 0 Td
(conclusions)Tj
4.9379 0 Td
(of)Tj
1.0148 0 Td
(this)Tj
1.6781 0 Td
(work.)Tj
ET
Q
q
1 j
1 J
0 w
11.9999 0 0 11.9999 200.0125 369.1842 cm
BT
/F2 1 Tf
1 TL
-0.0033 Tc
0 0 Td
(Comprehensive)Tj
7.6583 0 Td
(evaluation)Tj
5.1307 0 Td
(of)Tj
1.1622 0 Td
(investor)Tj
4.0725 0 Td
(and)Tj
1.989 0 Td
(load)Tj
/F0 1 Tf
-20.0127 -1.4976 Td
(Investing)Tj
4.1764 0 Td
(network)Tj
ET
Q
q
1 j
1 J
0 w
10 0 0 10 200.0125 334.2047 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(P2P)Tj
1.8141 0 Td
(lending)Tj
3.2428 0 Td
(on)Tj
1.2756 0 Td
(Prosper)Tj
3.3335 0 Td
(is)Tj
0.8447 0 Td
(similar)Tj
2.9877 0 Td
(to)Tj
1.0262 0 Td
(that)Tj
1.7801 0 Td
(in)Tj
1.0318 0 Td
(the)Tj
1.474 0 Td
(stock)Tj
2.3018 0 Td
(market,)Tj
3.2938 0 Td
(in)Tj
1.0318 0 Td
(which)Tj
2.6532 0 Td
(each)Tj
2.0296 0 Td
(investor)Tj
3.4469 0 Td
(can)Tj
1.6271 0 Td
(dis-)Tj
-35.1947 -1.2982 Td
(perse)Tj
2.313 0 Td
(his)Tj
1.3776 0 Td
(or)Tj
1.0999 0 Td
(her)Tj
1.542 0 Td
(money)Tj
2.9707 0 Td
(to)Tj
1.0261 0 Td
(numerous)Tj
4.3087 0 Td
(loans)Tj
2.313 0 Td
(and)Tj
1.7348 0 Td
(relatively)Tj
3.8381 0 Td
(one)Tj
1.7008 0 Td
(loan)Tj
1.9559 0 Td
(may)Tj
1.9275 0 Td
(be)Tj
1.1509 0 Td
(allocated)Tj
3.7587 0 Td
(by)Tj
1.1792 0 Td
(a)Tj
0.6576 0 Td
(multi-)Tj
-34.8545 -1.3039 Td
(lender.)Tj
2.9876 0 Td
(This)Tj
1.9843 0 Td
(many-to-many)Tj
6.2418 0 Td
(relationship)Tj
4.989 0 Td
(can)Tj
1.6271 0 Td
(be)Tj
1.1451 0 Td
(modeled)Tj
3.6964 0 Td
(as)Tj
1.0148 0 Td
(a)Tj
/F11 1 Tf
0.6576 0 Td
[()11()10()4()16()-19()7()14()11( )]TJ
3.5376 0 Td
[(\n)-8()20()12()10()]TJ
/F6 1 Tf
2.4662 0 Td
(which)Tj
2.6475 0 Td
(is)Tj
0.8504 0 Td
(widely)Tj
-33.8454 -1.2983 Td
(used)Tj
2.0579 0 Td
(to)Tj
1.0261 0 Td
(model)Tj
2.7439 0 Td
(the)Tj
1.4684 0 Td
(relationship)Tj
4.9889 0 Td
(between)Tj
3.532 0 Td
(two)Tj
1.7064 0 Td
(types)Tj
2.2734 0 Td
(of)Tj
1.0148 0 Td
(entities.)Tj
3.3335 0 Td
(We)Tj
1.6101 0 Td
(will)Tj
1.6667 0 Td
(use)Tj
1.5307 0 Td
(the)Tj
/F11 1 Tf
1.4684 0 Td
[()11()10()4()16()-19()7()14()11( )]TJ
3.5433 0 Td
[(\n)-8()20()12()10()]TJ
/F6 1 Tf
2.4604 0 Td
(to)Tj
-36.4249 -1.2983 Td
(explain)Tj
3.118 0 Td
(the)Tj
1.474 0 Td
(relationship)Tj
4.989 0 Td
(of)Tj
1.0148 0 Td
(investors)Tj
3.8097 0 Td
(and)Tj
1.7292 0 Td
(investees.)Tj
-14.9385 -1.3039 Td
(In)Tj
1.1111 0 Td
(the)Tj
1.4684 0 Td
(bipartite)Tj
3.6056 0 Td
(graph)Tj
2.5342 0 Td
(of)Tj
1.0148 0 Td
(P2P)Tj
1.8141 0 Td
(lending)Tj
3.2485 0 Td
(relationship,)Tj
5.2157 0 Td
(investors)Tj
3.8098 0 Td
(and)Tj
1.7291 0 Td
(borrowers)Tj
4.3256 0 Td
(are)Tj
1.4457 0 Td
(different)Tj
-32.5188 -1.2982 Td
(types)Tj
2.2733 0 Td
(of)Tj
1.0148 0 Td
(entities,)Tj
3.3335 0 Td
(and)Tj
1.7292 0 Td
(the)Tj
1.4683 0 Td
(weight)Tj
2.8857 0 Td
(of)Tj
1.0147 0 Td
(edges)Tj
2.4208 0 Td
(is)Tj
0.8504 0 Td
(the)Tj
1.4683 0 Td
(amount)Tj
3.3562 0 Td
(of)Tj
1.0148 0 Td
(investors)Tj
3.8155 0 Td
(bidding)Tj
3.3278 0 Td
(for)Tj
1.389 0 Td
(loan.)Tj
2.177 0 Td
(In)Tj
1.1111 0 Td
(partic-)Tj
-34.6504 -1.2983 Td
(ular,)Tj
2.0239 0 Td
(on)Tj
1.2756 0 Td
(the)Tj
1.4683 0 Td
(Prosper)Tj
3.3335 0 Td
(online)Tj
2.7609 0 Td
(platform,)Tj
3.9232 0 Td
(if)Tj
0.7767 0 Td
(one)Tj
1.7007 0 Td
(borrower)Tj
3.9628 0 Td
(needs)Tj
2.5002 0 Td
(to)Tj
1.0261 0 Td
(borrow)Tj
3.1691 0 Td
(a)Tj
0.652 0 Td
(sum)Tj
1.9275 0 Td
(of)Tj
1.0148 0 Td
(money,)Tj
3.2032 0 Td
(he)Tj
1.1678 0 Td
(or)Tj
-35.8863 -1.3039 Td
(she)Tj
1.5306 0 Td
(must)Tj
2.2281 0 Td
(apply)Tj
2.3867 0 Td
(for)Tj
1.389 0 Td
(a)Tj
0.652 0 Td
(loan.)Tj
2.1826 0 Td
(After)Tj
2.2847 0 Td
(the)Tj
1.4684 0 Td
(application)Tj
4.6828 0 Td
(is)Tj
0.8447 0 Td
(approved)Tj
3.9741 0 Td
(by)Tj
1.1849 0 Td
(Prosper,)Tj
3.5546 0 Td
(a)Tj
0.652 0 Td
(listing)Tj
2.6759 0 Td
(will)Tj
1.6611 0 Td
(be)Tj
1.1508 0 Td
(posted)Tj
-34.503 -1.2983 Td
(for)Tj
1.3832 0 Td
(all)Tj
1.1509 0 Td
(investors.)Tj
4.0365 0 Td
(Each)Tj
2.1713 0 Td
(lender)Tj
2.761 0 Td
(who)Tj
1.9389 0 Td
(scans)Tj
2.347 0 Td
(the)Tj
1.474 0 Td
(loan)Tj
1.9559 0 Td
(can)Tj
1.6214 0 Td
(bid)Tj
1.5251 0 Td
(a)Tj
0.6519 0 Td
(partial)Tj
2.7893 0 Td
(amount)Tj
3.3562 0 Td
(until)Tj
2.109 0 Td
(completed)Tj
4.405 0 Td
(in)Tj
-35.6766 -1.2983 Td
(full.)Tj
1.1962 -1.2982 Td
(We)Tj
1.61 0 Td
(use)Tj
/F11 1 Tf
1.5364 0 Td
[()]TJ
/F6 1 Tf
0.7427 0 Td
(=)Tj
0.805 0 Td
({)Tj
/F11 1 Tf
[(\r)]TJ
ET
Q
q
1 j
1 J
0 w
7.4999 0 0 6.6659 264.6425 189.5244 cm
BT
/F6 1 Tf
1 TL
-0.0053 Tc
0 0 Td
(1)Tj
ET
Q
q
1 j
1 J
0 w
10 0 0 10 268.2141 191.2251 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(,)Tj
/F11 1 Tf
[(\r)]TJ
ET
Q
q
1 j
1 J
0 w
7.4999 0 0 6.6659 272.8062 189.5244 cm
BT
/F6 1 Tf
1 TL
-0.0053 Tc
0 0 Td
(2)Tj
ET
Q
q
1 j
1 J
0 w
10 0 0 10 276.3779 191.2251 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(,)Tj
/F12 1 Tf
0 Tc
()Tj
0.6576 0 Td
()Tj
0.4365 0 Td
()Tj
/F6 1 Tf
-0.004 Tc
(,)Tj
/F11 1 Tf
[(\r)]TJ
ET
Q
q
1 j
1 J
0 w
7.4999 0 0 6.6659 294.633 189.5244 cm
BT
/F11 1 Tf
1 TL
-0.0053 Tc
0 0 Td
[()]TJ
ET
Q
q
1 j
1 J
0 w
10 0 0 10 298.6015 191.2251 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(})Tj
0.5555 0 Td
(to)Tj
1.0262 0 Td
(represent)Tj
3.9571 0 Td
(the)Tj
1.474 0 Td
(set)Tj
1.2983 0 Td
(of)Tj
/F11 1 Tf
1.0148 0 Td
[()]TJ
/F6 1 Tf
0.9184 0 Td
(investors,)Tj
4.0365 0 Td
(and)Tj
/F11 1 Tf
1.7291 0 Td
[()]TJ
/F6 1 Tf
0.7881 0 Td
(=)Tj
0.805 0 Td
({)Tj
/F11 1 Tf
[()]TJ
ET
Q
q
1 j
1 J
0 w
7.4999 0 0 6.6659 482.7401 189.5244 cm
BT
/F6 1 Tf
1 TL
-0.0053 Tc
0 0 Td
(1)Tj
ET
Q
q
1 j
1 J
0 w
10 0 0 10 486.3118 191.2251 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(,)Tj
/F11 1 Tf
[()]TJ
ET
Q
q
1 j
1 J
0 w
7.4999 0 0 6.6659 493.3417 189.5244 cm
BT
/F6 1 Tf
1 TL
-0.0053 Tc
0 0 Td
(2)Tj
ET
Q
q
1 j
1 J
0 w
10 0 0 10 496.9133 191.2251 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(,)Tj
/F12 1 Tf
0 Tc
()Tj
0.6576 0 Td
()Tj
0.4308 0 Td
()Tj
/F6 1 Tf
-0.004 Tc
(,)Tj
/F11 1 Tf
[()]TJ
ET
Q
q
1 j
1 J
0 w
7.4999 0 0 6.6659 517.5496 189.5244 cm
BT
/F11 1 Tf
1 TL
-0.0053 Tc
0 0 Td
[()]TJ
ET
Q
q
1 j
1 J
0 w
10 0 0 10 523.3889 191.2251 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(})Tj
0.5555 0 Td
(stands)Tj
2.7496 0 Td
(for)Tj
/F11 1 Tf
-35.6425 -1.3039 Td
[()]TJ
/F6 1 Tf
1.0885 0 Td
(borrowers.)Tj
/F11 1 Tf
4.5524 0 Td
[()]TJ
/F6 1 Tf
0.6747 0 Td
(=)Tj
0.7993 0 Td
({)Tj
/F11 1 Tf
[()9()11()22()7()-4()]TJ
ET
Q
q
1 j
1 J
0 w
7.4999 0 0 6.6659 297.2409 176.5417 cm
BT
/F6 1 Tf
1 TL
-0.0053 Tc
0 0 Td
(1)Tj
ET
Q
q
1 j
1 J
0 w
10 0 0 10 300.8125 178.1858 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(,)Tj
/F11 1 Tf
[()9()11()22()7()-4()]TJ
ET
Q
q
1 j
1 J
0 w
7.4999 0 0 6.6659 325.7574 176.5417 cm
BT
/F6 1 Tf
1 TL
-0.0053 Tc
0 0 Td
(2)Tj
ET
Q
q
1 j
1 J
0 w
10 0 0 10 329.3291 178.1858 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(,)Tj
/F12 1 Tf
0 Tc
()Tj
0.6576 0 Td
()Tj
0.4365 0 Td
()Tj
/F6 1 Tf
-0.004 Tc
(,)Tj
/F11 1 Tf
[()9()11()22()7()-4()]TJ
ET
Q
q
1 j
1 J
0 w
7.4999 0 0 6.6659 367.937 176.5417 cm
BT
/F11 1 Tf
1 TL
-0.0053 Tc
0 0 Td
[()]TJ
ET
Q
q
1 j
1 J
0 w
10 0 0 10 373.7196 178.1858 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(})Tj
0.5612 0 Td
(represents)Tj
4.32 0 Td
(the)Tj
1.4683 0 Td
(status)Tj
2.5002 0 Td
(of)Tj
/F11 1 Tf
1.0148 0 Td
[()]TJ
/F6 1 Tf
1.0941 0 Td
(loans)Tj
2.3131 0 Td
(and)Tj
/F11 1 Tf
1.7348 0 Td
[()9()11()22()7()-4()]TJ
ET
Q
q
1 j
1 J
0 w
7.4999 0 0 6.6659 546.4629 176.5417 cm
BT
/F11 1 Tf
1 TL
-0.0053 Tc
0 0 Td
[()]TJ
ET
Q
q
1 j
1 J
0 w
10 0 0 10 554.5133 178.1858 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(=)Tj
-35.4498 -1.2982 Td
({1,0}.)Tj
/F11 1 Tf
2.3017 0 Td
[( )]TJ
ET
Q
q
1 j
1 J
0 w
7.4999 0 0 6.6659 226.9417 163.559 cm
BT
/F11 1 Tf
1 TL
-0.0053 Tc
0 0 Td
[()12()]TJ
ET
Q
q
1 j
1 J
0 w
10 0 0 10 233.0645 165.2031 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(is)Tj
0.8447 0 Td
(the)Tj
1.474 0 Td
(amount)Tj
3.3505 0 Td
(that)Tj
1.7802 0 Td
(investor)Tj
/F11 1 Tf
3.4525 0 Td
[(\r)]TJ
ET
Q
q
1 j
1 J
0 w
7.4999 0 0 6.6659 344.4661 163.559 cm
BT
/F11 1 Tf
1 TL
-0.0053 Tc
0 0 Td
[()]TJ
ET
Q
q
1 j
1 J
0 w
10 0 0 10 348.6047 165.2031 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(has)Tj
1.5477 0 Td
(lent)Tj
1.7347 0 Td
(to)Tj
1.0262 0 Td
(borrower)Tj
/F11 1 Tf
3.9628 0 Td
[()]TJ
ET
Q
q
1 j
1 J
0 w
7.4999 0 0 6.6659 436.0818 163.559 cm
BT
/F11 1 Tf
1 TL
-0.0053 Tc
0 0 Td
[()]TJ
ET
Q
q
1 j
1 J
0 w
10 0 0 10 440.1637 165.2031 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(and)Tj
1.7291 0 Td
(is)Tj
0.8504 0 Td
(equal)Tj
2.3584 0 Td
(to)Tj
/F11 1 Tf
1.0261 0 Td
[()]TJ
/F6 1 Tf
0.686 0 Td
(if)Tj
0.771 0 Td
(no)Tj
1.2756 0 Td
(correlation)Tj
-32.7115 -1.2982 Td
(exists.)Tj
2.6192 0 Td
(Thus,)Tj
/F11 1 Tf
2.4718 0 Td
[()]TJ
/F6 1 Tf
0.771 0 Td
(=)Tj
0.7994 0 Td
({)Tj
/F11 1 Tf
[( )]TJ
ET
Q
q
1 j
1 J
0 w
7.4999 0 0 6.6659 273.9401 150.5196 cm
BT
/F6 1 Tf
1 TL
-0.0053 Tc
0 0 Td
(11)Tj
ET
Q
q
1 j
1 J
0 w
10 0 0 10 281.0834 152.2204 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(,)Tj
/F11 1 Tf
[( )]TJ
ET
Q
q
1 j
1 J
0 w
7.4999 0 0 6.6659 287.2629 150.5196 cm
BT
/F6 1 Tf
1 TL
-0.0053 Tc
0 0 Td
(12)Tj
ET
Q
q
1 j
1 J
0 w
10 0 0 10 294.3496 152.2204 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(,)Tj
/F12 1 Tf
0 Tc
()Tj
0.6576 0 Td
()Tj
0.4365 0 Td
()Tj
/F11 1 Tf
-0.004 Tc
[( )]TJ
ET
Q
q
1 j
1 J
0 w
7.4999 0 0 6.6659 311.9244 150.5196 cm
BT
/F11 1 Tf
1 TL
-0.0053 Tc
0 0 Td
[()12()]TJ
ET
Q
q
1 j
1 J
0 w
10 0 0 10 315.8362 152.2204 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(,)Tj
/F12 1 Tf
0 Tc
()Tj
0.6576 0 Td
()Tj
0.4365 0 Td
()Tj
/F11 1 Tf
-0.004 Tc
[( )]TJ
ET
Q
q
1 j
1 J
0 w
7.4999 0 0 6.6659 333.411 150.5196 cm
BT
/F11 1 Tf
1 TL
-0.0053 Tc
0 0 Td
[()18()]TJ
ET
Q
q
1 j
1 J
0 w
10 0 0 10 343.1622 152.2204 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(})Tj
0.5612 0 Td
(is)Tj
0.8447 0 Td
(the)Tj
1.474 0 Td
(set)Tj
1.2983 0 Td
(of)Tj
1.0148 0 Td
(all)Tj
1.1508 0 Td
(biddings.)Tj
3.9118 0 Td
(Finally,)Tj
/F11 1 Tf
3.1748 0 Td
[()]TJ
/F6 1 Tf
(,)Tj
/F11 1 Tf
0.9695 0 Td
[()]TJ
/F6 1 Tf
(,)Tj
1.0148 0 Td
(and)Tj
/F11 1 Tf
1.7291 0 Td
[()]TJ
/F6 1 Tf
0.771 0 Td
(make)Tj
2.3924 0 Td
(up)Tj
1.2643 0 Td
(a)Tj
-35.8863 -1.3039 Td
(bipartite)Tj
3.6 0 Td
(investment)Tj
4.6658 0 Td
(network)Tj
/F11 1 Tf
3.5489 0 Td
[()]TJ
/F6 1 Tf
0.8958 0 Td
(=)Tj
0.7993 0 Td
({)Tj
/F11 1 Tf
[()]TJ
/F6 1 Tf
(,)Tj
/F11 1 Tf
[()]TJ
/F6 1 Tf
(,)Tj
/F11 1 Tf
[()]TJ
/F6 1 Tf
(}.)Tj
0.83 0.64 0.02 0 k
3.2201 0 Td
(Fig)Tj
1.4796 0 Td
(1)Tj
0 g
0.6973 0 Td
(shows)Tj
2.6589 0 Td
(an)Tj
1.2019 0 Td
(example)Tj
3.549 0 Td
(of)Tj
1.0148 0 Td
(this)Tj
1.6781 0 Td
(relation.)Tj
ET
Q
q
1 j
1 J
0 w
11.9999 0 0 11.9999 200.0125 112.9889 cm
BT
/F0 1 Tf
1 TL
-0.0033 Tc
0 0 Td
(Initial)Tj
2.5181 0 Td
(evaluation)Tj
4.7103 0 Td
(model)Tj
ET
Q
q
1 j
1 J
0 w
10 0 0 10 200.0125 95.9811 cm
BT
/F6 1 Tf
1 TL
-0.004 Tc
0 0 Td
(Basing)Tj
2.8743 0 Td
(on)Tj
1.2755 0 Td
(the)Tj
1.4684 0 Td
(bipartite)Tj
3.6056 0 Td
(graph)Tj
2.5342 0 Td
(of)Tj
1.0148 0 Td
(the)Tj
1.4683 0 Td
(investment)Tj
4.6658 0 Td
(network,)Tj
3.7757 0 Td
(we)Tj
1.3266 0 Td
(can)Tj
1.6271 0 Td
(propose)Tj
3.4243 0 Td
(a)Tj
0.6519 0 Td
(comprehensive)Tj
-29.7125 -1.2982 Td
(evaluation)Tj
4.3596 0 Td
(model)Tj
2.7439 0 Td
(for)Tj
1.389 0 Td
(investors)Tj
3.8097 0 Td
(and)Tj
1.7292 0 Td
(borrowers.)Tj
ET
Q
q
1 j
1 J
0 w
576 737.1 m
36 737.1 l
36 737.6 l
576 737.6 l
f*
36 741.2598 107.1496 23.6976 re
W* n
q
107.0929 0 0 23.6409 36 741.3165 cm
q
/I0 Do
Q
Q
Q
q
0 0 612 792 re
W* n
1 j
1 J
0 w
7.9999 0 0 7.9999 353.9338 745.7952 cm
BT
/F0 1 Tf
1 TL
-0.005 Tc
0 0 Td
(A)Tj
0.8787 0 Td
(decision)Tj
3.8126 0 Td
(support)Tj
3.5008 0 Td
(model)Tj
2.8914 0 Td
(for)Tj
1.3748 0 Td
(investm)Tj
3.3874 0 Td
(ent)Tj
1.5875 0 Td
(on)Tj
1.311 0 Td
(P2P)Tj
2.0835 0 Td
(lending)Tj
3.3732 0 Td
(platform)Tj
ET
Q
q
1 j
1 J
0 w
36 48.0002 m
576 48.0002 l
576 47.5002 l
36 47.5002 l
f*
0.83 0.64 0.02 0 k
81.5811 34.9228 m
237.8835 34.9228 l
h
f*
0 g
7.9999 0 0 7.9999 36 36 cm
BT
/F0 1 Tf
1 TL
-0.005 Tc
0 0 Td
(PLOS)Tj
2.8559 0 Td
(ONE)Tj
2.3669 0 Td
(|)Tj
0.83 0.64 0.02 0 k
0.4748 0 Td
(https://doi.or)Tj
5.4142 0 Td
(g/10.137)Tj
3.8198 0 Td
(1/journal.po)Tj
5.1236 0 Td
(ne.01842)Tj
4.089 0 Td
(42)Tj
0 g
2.0906 0 Td
(September)Tj
5.0386 0 Td
(6,)Tj
1.0418 0 Td
(2017)Tj
32.8254 0 Td
(3)Tj
0.7654 0 Td
(/)Tj
ET
endstream
endobj
61 0 obj
<>stream
endstream
endobj
62 0 obj
<>stream
endstream
endobj
63 0 obj
<>stream
endstream
endobj
64 0 obj
<>stream
endstream
endobj
65 0 obj
<>stream
endstream
endobj
66 0 obj
<>stream
endstream
endobj
67 0 obj
<>stream
BT
66.402 0 Td
(18)Tj
ET
Q
endstream
endobj
68 0 obj
<>/XObject<>>>/CropBox[0 0 612 792]/MediaBox[0 0 612 792]/Parent 9 0 R/Annots 74 0 R/Contents 75 0 R/TrimBox[0 0 612 792]>>
endobj
73 0 obj
<>stream
xy-Uu.klb5]h D5rhTD(` "*
*`9$jWTl`hrs|gYj{ssj5;g31?$@",!?ߝ'𑣛Όf%HD HD HD HD HD HD HD`|;9sW^9._ˬY+9眓O.vy"$@"$@"$@"$@"$@"$@"$ @^jխnu;wo֯k@o~wݏ~|;-q{\}:7eGD HD HD HD HD HD HD X#Px?l~g/>3|Yy}/?e}{/__˿~(ů|+or_W&7spY
<#iv駛?ԧ/'ݾD HD HD X@"/0h]P