An Intelligent Agent System for Borrower´s Recommendation in P2P Lending

Recently, P2P lending has become a hot research topic in finance, especially after the global financial crisis. Most of existing research efforts did not consider the efficiency from the borrowers´ perspective. In this paper we propose a recommendation model based on intelligent agent in P2P Lending for the borrowers. The model provides for the borrowers with individual risk assessment, the eligible lender search, the lending combination and the loan recommendation. Recommendations are made with reasoning on ontology-based knowledge. The model are developed in JADE and evaluated by the PROSPER´s sample data. The result shows that, the model can meet borrower´s needs better and help borrower getting loan more efficiency.