54段普罗斯珀数据=薄数据|点对点贷款,点对点的贷款,人民对人民贷款|点对点贷款新闻,资讯,借贷策略

#1# 1Chrisfs on 11.02.07 at 8:40 amChrisfs上11.02.07在上午8时40

Rather than 293 buckets, shouldn’t that be 54 buckets of 293 loans each (assuming they are equal which they probably aren’t).而不是293桶,不应该说是54桶293每个贷款(假定他们是平等的,他们可能没有) 。Where are you getting 293 buckets ?你是哪里得到293个水桶?

Some will be sparse and some will hide good/bad loans, such as there is only one segment of HR with autofunding that isn’t broken down further into # of DQs, so the 0 DQs and 6+DQs share a single combined expected loss rates, but guess who carries most of that, and who is the less risky of the two.有的将稀疏,有些将隐藏良好/不良贷款,如只有一个部分的人力资源与autofunding这不是进一步细分到#的控制接脚,所以0控制接脚和6 +控制接脚共用一个合并预期损失利率,但带有猜测谁是这一点,谁是风险较小的两个。
I haven’t checked the actual numbers, but as long as people don’t get scared off by the big estimated loss numbers, there may be possiblities there.我还没有检查的实际人数,但只要人们再也不害怕了很大的损失估计数字,可能有possiblities存在。
As you mention loan amounts will be a factor as well至于你提到的贷款数额将是一个因素,以及

#2# 2pjz on 11.04.07 at 8:02 ampjz上11.04.07在上午8点02分

What amazes me after all the fuss about DTI我什么惊讶毕竟做文章,贸工部

#3# 3pjz on 11.04.07 at 8:04 ampjz上11.04.07在上午八时04

There are no DTI buckets!!!没有贸工部水桶!Higher DTI is obviously worse.贸工部高级显然是更糟。Prosper data does not show that because lenders would fund every junk loan under 20% DTI.蓬勃发展的数据并不表明,由于贷款人都将垃圾基金贷款根据贸工部的20 % 。So Prosper is using numbers that were biased by Prosper.所以普罗斯珀使用数字,有偏见的繁荣。

Chrisfs: Chrisfs :

Rateladder is saying 54 buckets, not 293: Rateladder说是54个水桶,而不是293 :

“There are currently 15,832 loans on Prosper. “目前有15832贷款繁荣。15,832 / 54 = 293 per segment assuming equal size buckets.”五十四分之一万五千八百三十二= 293每部分承担同等大小水桶。 “

#4# 4pjz on 11.04.07 at 8:56 ampjz上11.04.07在上午08点56分

Correction.校正。A’s do have a DTI bucket A的有一个贸工部水桶

But As do not have a DQ bucket!但是,由于没有德泉斗!
A’s with DQs will now be funded by Prosper Portfolios! A的控制接脚与现在将经费由普罗斯珀组合!

#5# 5» Portfolio Plans — The Good, The Bad, and The Ugly»组合计划-善,恶,丑和on 01.13.08 at 11:56 am在01.13.08在上午11时56分

[…] are based on the slices of data… Which brings me to the ugly. There are almost certainly thin data issues. Readjustments can help, but Heisenberg rules this […] […]是基于数据切片…这使我的丑陋。目前几乎可以肯定薄数据的问题。调整可以帮助,但海森堡的规则这一[…]

#6# 6» Prosper API Developer Email Update»繁荣API开发电子邮件更新on 03.03.08 at 4:52 pm在03.03.08在下午4点52分

[…] the ROI would be nice, but I have already pointed out what I consider to be the major flaws: thin data and large buckets of loan criteria. […]的投资回报率将是不错,但我已经指出的那样,我认为它是主要的缺陷:薄数据和大水桶的贷款标准。Related Articles Prosper Starting To Use the Developer Mailing […]相关文章繁荣开始使用的开发邮寄[…]

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