|
Post by thep2pinvestor on Mar 3, 2016 5:35:49 GMT
Hi guys,
I'm new in P2P investing and also on this forum. Please forgive me if this question was already debated at another place but i did not find it.
I have tried to understand the algorithm of Bondora to attribute their ratings. Looking at features like debt to income ratios or global indebtness i can see no common features. Some F loans can have better parameters then B or C.
Did anyone undestand the black box behind the ratings ?
|
|
|
Post by rahafoorum on Mar 3, 2016 12:40:08 GMT
It's not a simple "this number is higher than this amount, so it's F" type of model. It's doing a lot more statistical calculations than these very simple criteria. It's also accounting for some data that's not available for investors publicly, so it's close to impossible to actually fully figure out how it's calculated. You can start your quest to understanding it from the Investment guide for example: www.bondora.ee/invest/investment-guide#bondora-rating
|
|
|
Post by thep2pinvestor on Mar 3, 2016 14:21:58 GMT
It's not a simple "this number is higher than this amount, so it's F" type of model. It's doing a lot more statistical calculations than these very simple criteria. It's also accounting for some data that's not available for investors publicly, so it's close to impossible to actually fully figure out how it's calculated. You can start your quest to understanding it from the Investment guide for example: www.bondora.ee/invest/investment-guide#bondora-ratingThanks a lot for this link !
|
|