Before revision: With the fast development of peer to peer (P2P) lending , financial institutions have a substantial challenge from benefit loss due to the delinquent behaviors of the money borrowers .
After revision: With the fast development of peer to peer (P2P) lending platform, investors hope to maximize their return while minimizing the risk through a comprehensive understanding of the P2P market. A low and stable average default rate across all the borrowers denotes a healthy P2P market and provides investors more confidence in a promising investment .