| Abstract | 第1-6页 |
| 摘要 | 第6-14页 |
| 1 Introduction | 第14-21页 |
| ·Research Background | 第14-15页 |
| ·Research Motivations | 第15-17页 |
| ·Exploiting Investor Composition Information | 第15页 |
| ·More Accurate Credit Risk Assessment | 第15-16页 |
| ·Quantitative Investment Decisions | 第16-17页 |
| ·Multi-Source Information Fusion | 第17页 |
| ·Research Innovations | 第17-19页 |
| ·Investor Composition Analysis for Investment Decisions | 第17-18页 |
| ·Kernel-Based Credit Risk Assessment for Investment Decisions | 第18-19页 |
| ·Multi-Source Loan Evaluation for Investment Decisions | 第19页 |
| ·Dissertation Structure | 第19-21页 |
| 2 Related Work | 第21-31页 |
| ·P2P Lending:A novel Lending Method | 第21-23页 |
| ·Credit Risk Models for Loan Evaluation | 第23-26页 |
| ·Kernel-Based Learning | 第26-29页 |
| ·Modern Portfolio Theory for Investment Decision | 第29-31页 |
| 3 Investor Composition Analysis Model for Investment Decisions | 第31-54页 |
| ·Bipartite Investment Network | 第32-34页 |
| ·Investor Profiles Analysis | 第34-37页 |
| ·Past Investment Performance | 第34页 |
| ·Investment Risk Preferences | 第34-35页 |
| ·Investment Experience | 第35页 |
| ·Investment Reliability | 第35-36页 |
| ·An Example of the Investor Profile | 第36-37页 |
| ·Investor Composition Analysis | 第37-41页 |
| ·Investor Composition Definition | 第37-39页 |
| ·Composition of Investor Performances | 第39页 |
| ·Composition of Investor Risk Preferences | 第39页 |
| ·Investor Composition Score | 第39-40页 |
| ·An Example of Investor Composition | 第40-41页 |
| ·Investment Decision Model | 第41-43页 |
| ·Model Description | 第41-43页 |
| ·Description of Parameters | 第43页 |
| ·Experimental Results | 第43-53页 |
| ·Experiment Data | 第44-45页 |
| ·Empirical Statistics | 第45-46页 |
| ·Investor Composition as An Indicator | 第46-50页 |
| ·Decisions Model by Investor Composition | 第50-53页 |
| ·Summary | 第53-54页 |
| 4 Kernel-Based Credit Risk Model for Investment Decisions | 第54-72页 |
| ·Motivation | 第55-58页 |
| ·Investment Decisions in P2P Lending | 第55-56页 |
| ·Limitations of Rating-Based Credit Risk Models | 第56-58页 |
| ·Kernel-Based Credit Risk Assessment | 第58-60页 |
| ·Default Likelihood Distance | 第58-59页 |
| ·Kernel Weights | 第59-60页 |
| ·Loan Assessment | 第60页 |
| ·Portfolio Optimization for Investment Decisions | 第60-64页 |
| ·Portfolio Selection in P2P lending | 第61-62页 |
| ·Process of Investment Decisions | 第62-64页 |
| ·Experiments | 第64-70页 |
| ·Data Description | 第64-66页 |
| ·Experiment Design | 第66-67页 |
| ·Comparison of Credit Risk Prediction | 第67-68页 |
| ·Evaluation on Performance of Models | 第68-70页 |
| ·Summary | 第70-72页 |
| 5 Multi-Source Loan Evaluation Model for Investment Decisions | 第72-88页 |
| ·Information Fusion in P2P Lending | 第73-76页 |
| ·Two Information Sources in P2P Network | 第73-74页 |
| ·Two Methods of Information Fusion in P2P Lending | 第74-75页 |
| ·Multi-Attribute Loan Evaluation Model | 第75-76页 |
| ·Multi-Kernel Loan Evaluation Model | 第76-79页 |
| ·Two Kernel Weights | 第76-77页 |
| ·Multi-Kernel Weight | 第77-78页 |
| ·Loan Evaluation Model | 第78页 |
| ·Discussion | 第78-79页 |
| ·Investment Decision Process | 第79-81页 |
| ·Experiments | 第81-87页 |
| ·Experiment Data | 第81页 |
| ·Experiments Design | 第81-83页 |
| ·Precision of Loan Evaluation | 第83-84页 |
| ·Performance of Models | 第84-87页 |
| ·Summary | 第87-88页 |
| 6 Conclusions and Future Work | 第88-92页 |
| ·Conclusions | 第88-89页 |
| ·Future Work | 第89-92页 |
| References | 第92-104页 |
| 附录A 部分算法源代码 | 第104-110页 |
| 攻读博士学位期间发表学术论文情况 | 第110-112页 |
| 致谢 | 第112-114页 |
