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Exploring the Performance of Synthetic Minority Over-sampling Technique (SMOTE) to Predict Good Borrowers in P2P Lending (P2P 대부 우수 대출자 예측을 위한 합성 소수집단 오버샘플링 기법 성과에 관한 탐색적 연구)

  • Costello, Francis Joseph;Lee, Kun Chang
    • Journal of Digital Convergence
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    • v.17 no.9
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    • pp.71-78
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    • 2019

  • This study aims to identify good borrowers within the context of P2P lending. P2P lending is a growing platform that allows individuals to lend and borrow money from each other. Inherent in any loans is credit risk of borrowers and needs to be considered before any lending. Specifically in the context of P2P lending, traditional models fall short and thus this study aimed to rectify this as well as explore the problem of class imbalances seen within credit risk data sets. This study implemented an over-sampling technique known as Synthetic Minority Over-sampling Technique (SMOTE). To test our approach, we implemented five benchmarking classifiers such as support vector machines, logistic regression, k-nearest neighbor, random forest, and deep neural network. The data sample used was retrieved from the publicly available LendingClub dataset. The proposed SMOTE revealed significantly improved results in comparison with the benchmarking classifiers. These results should help actors engaged within P2P lending to make better informed decisions when selecting potential borrowers eliminating the higher risks present in P2P lending.

  • https://doi.org/10.14400/JDC.2019.17.9.071 인용 PDF KSCI

Analysis of Crack Control Effect of Ultra-low Shrinkage Concrete through Wall Mock-up Test (벽체 실물대부재실험을 통한 초 저수축 콘크리트의 균열제어 효과 분석)

  • Seo, Tae-Seok;Lee, Hyun-Seung;Kim, Kang-Min
    • Journal of the Korea Institute of Building Construction
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    • v.22 no.1
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    • pp.45-55
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    • 2022

  • Ultra-low shrinkage concrete is very effective for securing the quality and appearance of a concrete structure because it can control the drying shrinkage cracks of the concrete structure to within a certain limit. In this study, with the purpose of commercializing ultra-low shrinkage concrete, the optimal amount of expansive agent and shrinkage reducing agent was determined through a lab test, and a concrete wall mock-up test was conducted to examine the shrinkage properties and crack control effects of ultra-low shrinkage concrete. As a result, it was confirmed that there was little drying shrinkage deformation in the wall specimen, and furthermore that no cracks were generated.

  • https://doi.org/10.5345/JKIBC.2022.22.1.045 인용 PDF KSCI