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1.
《数学的实践与认识》2017,(20)
P2P借贷相对于传统金融中介具有向下整合闲散资金并降低交易成本的优势,在"互联网+"和"大众创业万众创新"的政策背景下能够有效倒逼传统金融中介改革,为创新企业提供资金.但目前行业仍存在严重的监管缺失问题,而银监会等政府部门监管缺乏法律授权,监管行为缺乏积极性.因此,提出了以《互联网信息搜索服务管理规定》为契机,通过监管百度对P2P的推广业务进而规范行业发展的思路,并论证了这种方法的有效性.百度搜索量对P2P用户投资行为的相关性分析表明,监管百度推广业务能有效阻碍问题平台获得用户,进而减少问题平台的产生及影响. 相似文献
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近年来,P2P网络借贷发展迅猛,吸引了来自金融、经济、管理等诸多领域研究人员越来越多的关注.如何结合运营数据对P2P网贷平台效率进行综合评价,这对P2P网贷平台的运营管理和投资者的投资决策有着十分重要的影响,目前关于这方面的研究相对欠缺.鉴于此,文章提出数据驱动赋权的改进TOSPSIS法对P2P网贷平台效率进行综合评价.首先,针对TOPSIS法存在的主观权重问题,提出数据驱动赋权的数学模型;其次,利用教与学优化算法确定最优权重,以最大化赋权前后数据的一致性和权重的客观性;最后,结合网贷之家的运营数据应用改进TOPSIS法对100家P2P网贷平台效率进行综合评价.结果表明,基于改进TOPSIS法的评价结果和网贷之家的评价结果具有较高的一致性. 相似文献
3.
选取Lending Club 2007年1月至2016年3月的交易数据,运用Multinomial Lasso-logistic模型得到影响平台违约的关键因素并预测了违约概率.结果表明,出借人实际借款的总额、借款利率等因素对违约有显著的影响,此外与以往研究不同的是,发现由借款人提供的借款描述和借款标题等文本信息与违约之间显著负相关,说明当借款人提供更多的文本信息,将表现出相对较低的违约率.研究结论补充了现有文献的不足,对P2P平台的监管和投资者的决策提供了借鉴意义. 相似文献
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自2007年国内首家P2P平台“拍拍贷”成立起,P2P网贷这一源自西方发达国家的“舶来品”在中国市场上展现出了强悍的繁殖能力。短短7年内,无论是P2P平台的数量、存量资金、还是整体的交易量、投资者数量,都发生了翻天覆地的变化。尤其是2014年以来,P2P行业更是火爆异常,越来越多的精英、草根、巨贾、骗子开始涌入这个正在“井喷”的市场。 相似文献
5.
随着大数据和机器学习的流行,其在破产预测和风险预测领域逐渐崭露头角。本文运用爬虫技术得到885家网贷平台的16815条数据,通过因子分析及模型验证挖掘出了若干能较好评估P2P平台风险的因子。然后本文通过选取的指标体系建立了Logistics回归、支持向量机、BP神经网络、LightGBM等单模型以及融合模型进行学习训练,所建立的融合模型在测试集中得到最高的准确率,说明本文所建的融合模型能较好地评估网贷平台的风险。本文还选取决策树绘图以及对特征进行重要性排名,选取出了对识别问题平台有重要作用的十项特征。这对投资者选取安全平台进行投资或者监管者选取重点平台进行监管有很好的借鉴意义。 相似文献
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《系统科学与数学》2017,(7)
近年来,P2P网络借贷发展迅猛,吸引了来自金融、经济、管理等诸多领域研究人员越来越多的关注.如何结合运营数据对P2P网贷平台效率进行综合评价,这对P2P网贷平台的运营管理和投资者的投资决策有着十分重要的影响,目前关于这方面的研究相对欠缺.鉴于此,文章提出数据驱动赋权的改进TOSPSIS法对P2P网贷平台效率进行综合评价.首先,针对TOPSIS法存在的主观权重问题,提出数据驱动赋权的数学模型;其次,利用教与学优化算法确定最优权重,以最大化赋权前后数据的一致性和权重的客观性;最后,结合网贷之家的运营数据应用改进TOPSIS法对100家P2P网贷平台效率进行综合评价.结果表明,基于改进TOPSIS法的评价结果和网贷之家的评价结果具有较高的一致性. 相似文献
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Agent协助建立矛盾问题的可拓模型研究 总被引:2,自引:0,他引:2
李卫华 《数学的实践与认识》2009,39(4)
针对普通计算机系统缺乏界定矛盾问题(尤其是核问题)的能力的缺点,探讨了如何利用Agent技术协助建立矛盾问题的可拓模型的问题.提出一种方案,利用Agent的通信能力与反应性进行人机交互,引导用户输入问题信息,减轻让计算机识别自然语言信息的困难;利用Agent的自主性和学习能力,将学习到的知识保存到协助进行语义分析的本体中,使本体不断进化,提高系统界定各种各样矛盾问题的能力.创新点在于结合了可拓学、Agent、本体等几种不同学科领域技术的优势,使计算机系统具有一定的语义分析能力而协助人们界定矛盾问题. 相似文献
11.
Christophe Guéret Nicolas Monmarché Mohamed Slimane 《Journal of Mathematical Modelling and Algorithms》2007,6(3):345-360
As networks are growing up, more and more information becomes available every day. Despite the presence of software enabling
communications and content sharing, they are not always shared among people inside networks. We present here an architecture
aimed at helping people to share information items and find collaborators inside an organization. It is part of our PIAF framework,
an intelligent agent system used to develop recommender and personalization software. The main contribution of this paper
is the introduction of principles of stigmergy and artificial ants to model data flows in a social network.
相似文献
12.
针对黄河河道冰情的多点监测问题,提出了一种基于ZigBee技术的河道冰层厚度多点监测系统的设计方案,简要介绍了ZigBee技术的主要特点,冰层厚度传感器结构与检测原理,提出了基于ZigBee的黄河河道冰情多点监测系统结构,讨论了监测系统硬件与软件的设计思路,利用系统可以实现黄河河道局部区域内多点冰情远程无人连续自动监测. 相似文献
13.
伴随信息产业的快速发展和互联网保险的广泛运用,近几年来国际上出现了一种新型保险模式――P2P保险(Peer to Peer Insurance)。该模式基于互联网,通过聚集若干风险类型相似的投保人组建风险共担互助小组,风险互助小组成员间一般是亲戚、朋友等熟人关系。P2P保险形成的相互监督机制和声誉机制,可以较好地解决传统保险市场中存在的道德风险问题。本文利用经济学中的比较静态分析方法,研究了P2P保险的道德风险问题,并从理论上证明了在P2P保险模式下,投保人会倾向于更加努力防范风险以降低出险概率,道德风险问题可以得到有效缓解。 相似文献
14.
Cognitive and self-selective routing for sensor networks 总被引:1,自引:0,他引:1
Erol Gelenbe Peixiang Liu Boleslaw K. Szymanski Christopher Morrell 《Computational Management Science》2011,8(3):237-258
New approaches to Quality-of-Service (QoS) routing in wireless sensor networks which use different forms of learning are the
subject of this paper. The Cognitive Packet Network (CPN) algorithm uses smart packets for path discovery, together with reinforcement
learning and neural networks, while Self-Selective Routing (SSR) is based on the “Ant Colony” paradigm which emulates the
pheromone-based technique which ants use to mark paths and communicate information about paths between different insects of
the same colony (Koenig et al. in Ann Math Artif Intell 31(1–4): 41–76, 2001). In this paper, we present first experimental
results on a network test-bed to evaluate CPN’s ability to discover paths having the shortest delay, or shortest length. Then,
we present small test-bed experiments and large-scale network simulations to evaluate the effectiveness of the SSR algorithm.
Finally, the two approaches are compared with respect to their ability to adapt as network conditions change over time. 相似文献
15.
P2P网络借贷作为电子商务在金融领域的延伸与应用,近年来得到广大学者的关注.但是目前的理论研究中,鲜有从投资者信息挖掘的角度进行投资决策分析.本文提出一个新颖的方法,即投资者构成分析方法,通过分析贷款的众多投资者信息遴选出最有价值的投资,辅助投资者进行投资决策.首先从投资者的历史投资收益率、风险偏好以及投资经验三个维度构建投资者档案(investor profile),进而基于投资者档案构建投资者构成分析模型,最后通过美国最大的在线网络借贷网站Prosper的数据,对本文提出的构想及模型进行了实证研究.实验结果表明本文提出的利用投资者构成分析的方法辅助投资者进行投资决策是可行的,文中构建的模型表现出良好的预测能力,能够有效地筛选出有价值的投资. 相似文献
16.
Hiba Haj Chhadé Amadou Gning Fahed Abdallah Imad Mougharbel Simon Julier 《Mathematics in Computer Science》2014,8(3-4):455-478
This paper deals with the problem of inference in distributed systems where the probability model is stored in a distributed fashion. Graphical models provide powerful tools for modeling this kind of problems. Inspired by the box particle filter which combines interval analysis with particle filtering to solve temporal inference problems, this paper introduces a belief propagation-like message-passing algorithm that uses bounded error methods to solve the inference problem defined on an arbitrary graphical model. We show the theoretic derivation of the novel algorithm and we test its performance on the problem of calibration in wireless sensor networks. That is the positioning of a number of randomly deployed sensors, according to some reference defined by a set of anchor nodes for which the positions are known a priori. The new algorithm, while achieving a better or similar performance, offers impressive reduction of the information circulating in the network and the needed computation times. 相似文献
17.
随着"互联网+农业"的逐步深入,涉农P2P网贷将成为缓解农民借款难的有效途径,建立涉农P2P网贷项目优选模型对保障资金借出者的资金安全和收益具有很好的现实意义.根据ECIRM模型从5个维度建立衡量信用风险及还款能力的涉农P2P网贷项目评价指标体系,在资金借出者根据自己的要求对借款项目初步筛选的基础上,建立网贷项目优选模型,利用熵权灰色关联TOPSIS法对网贷项目进行优选排序,为出资者决策提供参考依据. 相似文献
18.
Angeliki Karagiannaki George Doukidis Katerina Pramatari 《The Journal of the Operational Research Society》2014,65(11):1700-1710
Empowered by the possibility to automatically identify unique product instances, the Radio Frequency Identification (RFID) technology is expected to revolutionize the supply chain processes. However, in view of the numerous possible ways that RFID can be implemented within the supply chain, the issue of supporting the design choices based on a credible assessment between the current (as-is) and the future (to-be) processes has become a matter of considerable concern and debate for both practitioners and academics alike. To design RFID implementations in the supply chain using a robust dynamic analysis, we resort to discrete event simulation. As a result, this paper conceptualizes the ‘RFID-enabled process redesign’ and proposes a framework regarding all possible types of RFID effects when integrating the technology within the supply chain processes. The research design was based on the empirical evidence through three case studies combined with the development of simulation models and on theoretical constructs regarding the information technology (IT)-enabled process redesign. 相似文献
19.
This paper explores the design of a P2P architecture that sends real-time video over the Internet. The aim is to provide good quality levels in a highly dynamic P2P topology, where the frequent connections/disconnections of the nodes makes it difficult to offer the Quality-of-Experience (QoE) needed by the client.We study a multi-source streaming approach where the stream is decomposed into several flows sent by different peers to each client including some level of redundancy, in order to cope with the fluctuations in network connectivity. We employ the recently proposed PSQA technology for evaluating automatically the perceived quality at the client side. We introduce a mathematical programming model to maximize the global expected QoE of the network (evaluated using PSQA), selecting a P2P connection scheme which enhances topology robustness. In addition, we provide an approximated algorithm to solve the proposed model, and we apply it to solve a case study based on real life data. 相似文献
20.
《Journal of computational science》2014,5(4):664-674
This paper aims to propose a system architecture for a mobile health-monitoring platform based on a wireless body area network (WBAN). We detail the WBAN features from either hardware and software point of view. The system architecture of this platform is three-tier system. Each tier is detailed. We have designed a flowchart of a use of the WBANs to illustrate the functioning of such platforms. We show the use of this platform in a wide area to detect and to track disease movement in the case of epidemic situation. Indeed, tracking epidemic disease is a very challenging issue. The success of such process could help medical administration to stop diseases quicker than usual. In this study, WBANs deployed over volunteers who agree to carry a light wireless sensor network. Sensors over the body will monitor some health parameters (temperature, pressure, etc) and will run some light classification algorithms to help disease diagnosis. Finally, the WBAN will send aggregated data about the disease to some base stations which collect the results. Our platform will run an on-line disease tracking program and to detect some information about how the disease is propagated. 相似文献