Traditional financial institutions have high thresholds, low returns, and long investment cycles, driving investors to seek more flexible, higher-yield, and lower-amount investment options. However, limitations in the personal credit information system and slow credit infrastructure development prevent some deserving individuals from accessing funds, leading to the rise of streamlined platforms like P2P lending. P2P platforms act as intermediaries, connecting borrowers and lenders online. They offer convenient and accessible lending and money transfer services. Additionally, deep learning techniques provide valuable insights for interpreting various forms of data, potentially enhancing the functionality of P2P platforms [1]. The demand from both investors and borrowers has fueled the growth of P2P lending platforms significantly, contributing to their rapid expansion. These platforms have become integral to the financial market in my country, fulfilling crucial roles in meeting investment and financing demands while fostering market diversity. However, despite their importance, P2P platforms suffer from deficiencies in financial management and risk control capabilities, leading to a considerable number of defaulted loans [2].