Evaluating credit risk and loan performance in online Peer-to-Peer (P2P) lending

By Riza Emekter, Yanbin Tu, B. Jirasakuldech, Min Lu. 2015

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Evaluating borrower’s default risk in peer-to-peer lending: evidence from a lending platform in China (2017, methodology): “It is interesting to note that there is high correlation between high debt-to-income ratio and low default rate, and this finding is consistent with the empirical result of the study of Riza et al. (Emekter et al. 2014), which use the data from the Lending Club.”
Risk assessment in social lending via random forests (2015, methodology): “In this regard, subsequent to a risk and return efficiency analysis, Emekter et al. (2015) suggest that ‘‘the lenders would be better off to lend only to the safest borrowers with the highest LC grades’’.”