Online Investment Protection through Efficient Loan Exchange

Providing online loan investors with liquidity is vital for investment protection, especially in crisis or extreme conditions. Some existing online platforms have provided secondary markets for trading P2P loans with money. However, they fail to achieve fairness and high liquidity. In this study, we proposed a novel approach to facilitate loan exchange among P2P loan holders, bringing liquidity to their assets. The approach includes a fair and satisfactory loan exchange system is proposed to address the fairness and user participation issue. To implement the system, a loan exchange mechamsm is devised for satisfactory exchange rates search and loan exchange rate calculation. Particularly, a request validation algorithm is provided for improving search efficiency. Also, a loan exchange simulator is designed and implemented for evaluating the mechanism with experiments, which shows that the proposed one is applicable to online investment protection.