Instruct: Identify the main and secondary category of Arxiv papers based on the titles and abstracts
Query: Improving Investment Suggestions for Peer-to-Peer (P2P) Lending via
  Integrating Credit Scoring into Profit Scoring   In the peer-to-peer (P2P) lending market, lenders lend the money to the
borrowers through a virtual platform and earn the possible profit generated by
the interest rate. From the perspective of lenders, they want to maximize the
profit while minimizing the risk. Therefore, many studies have used machine
learning algorithms to help the lenders identify the "best" loans for making
investments. The studies have mainly focused on two categories to guide the
lenders' investments: one aims at minimizing the risk of investment (i.e., the
credit scoring perspective) while the other aims at maximizing the profit
(i.e., the profit scoring perspective). However, they have all focused on one
category only and there is seldom research trying to integrate the two
categories together. Motivated by this, we propose a two-stage framework that
incorporates the credit information into a profit scoring modeling. We
conducted the empirical experiment on a real-world P2P lending data from the US
P2P market and used the Light Gradient Boosting Machine (lightGBM) algorithm in
the two-stage framework. Results show that the proposed two-stage method could
identify more profitable loans and thereby provide better investment guidance
to the investors compared to the existing one-stage profit scoring alone
approach. Therefore, the proposed framework serves as an innovative perspective
for making investment decisions in P2P lending.

9
The categories of this paper are: nlin
12
The categories of this paper are: nucl-th
13
The categories of this paper are: quant-ph
31
The categories of this paper are: ao-sci
29
The categories of this paper are: funct-an
26
The categories of this paper are: bayes-an
4
The categories of this paper are: cond-mat
7
The categories of this paper are: hep-th
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The categories of this paper are: hep-lat
20
The categories of this paper are: acc-phys
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The categories of this paper are: chem-ph
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The categories of this paper are: alg-geom
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The categories of this paper are: plasm-ph
22
The categories of this paper are: chao-dyn
3
The categories of this paper are: physics
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The categories of this paper are: eess