A P2P network lending institution risk assessment method based on reinforcement learning
The invention provides a P2P network lending institution risk assessment method based on reinforcement learning, which belongs to the field of network big data processing and electronic information technology. First, the company profile text information of the P2P network loan enterprise is collecte...
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Format | Patent |
Language | Chinese English |
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11.01.2019
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Abstract | The invention provides a P2P network lending institution risk assessment method based on reinforcement learning, which belongs to the field of network big data processing and electronic information technology. First, the company profile text information of the P2P network loan enterprise is collected, and the words are segmented; then, for all the words in the document, the information gain is used to extract the keywords; a Max-min ACLA algorithm is utilized to construct reinforcement learning model; in the training process of reinforcement learning model, the sample weights are updated by changing the weights dynamically. Finally, the trained reinforcement learning model is used to evaluate the risk of the evaluation institution. The invention adopts the reinforcement learning model to solve the problems of less text classification data and unbalanced data, at the same time, the method of dynamically updating the sample weight accelerates the convergence speed of the model training,saves a large amount of t |
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AbstractList | The invention provides a P2P network lending institution risk assessment method based on reinforcement learning, which belongs to the field of network big data processing and electronic information technology. First, the company profile text information of the P2P network loan enterprise is collected, and the words are segmented; then, for all the words in the document, the information gain is used to extract the keywords; a Max-min ACLA algorithm is utilized to construct reinforcement learning model; in the training process of reinforcement learning model, the sample weights are updated by changing the weights dynamically. Finally, the trained reinforcement learning model is used to evaluate the risk of the evaluation institution. The invention adopts the reinforcement learning model to solve the problems of less text classification data and unbalanced data, at the same time, the method of dynamically updating the sample weight accelerates the convergence speed of the model training,saves a large amount of t |
Author | XIE YANG ZHAO TIANYUAN LYU YUE WANG TAO LI LEI |
Author_xml | – fullname: XIE YANG – fullname: WANG TAO – fullname: ZHAO TIANYUAN – fullname: LYU YUE – fullname: LI LEI |
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DocumentTitleAlternate | 种基于强化学习的P2P网络借贷机构风险评估方法 |
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RelatedCompanies | BEIJING UNIVERSITY OF POSTS AND TELECOMMUNICATIONS |
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Snippet | The invention provides a P2P network lending institution risk assessment method based on reinforcement learning, which belongs to the field of network big data... |
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SubjectTerms | CALCULATING COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES HANDLING RECORD CARRIERS PHYSICS PRESENTATION OF DATA RECOGNITION OF DATA RECORD CARRIERS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR |
Title | A P2P network lending institution risk assessment method based on reinforcement learning |
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