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Hybrid 1DCNN-Attention with Enhanced Data Preprocessing for Loan Approval Prediction: 《Journal of Computer and Communications》2024年第8期224-241,共18页Yaru Liu Huifang Feng; In order to reduce the risk of non-performing loans, losses, and improve the loan approval efficiency, it is necessary to establish an intelligent loan risk and approval prediction system. A hybrid deep learning model...; 关键词：Loan Approval Prediction Deep Learning One-Dimensional Convolutional Neural Network Attention Mechanism Data Preprocessing

On a Flexible Loan Repayment Method Depending on Borrower's Asset with an Early Termination Clause: 《Acta Mathematicae Applicatae Sinica》2024年第2期557-567,共11页Jin LIANG Jia-qi MAO Zhao-ya LIU; supported by the National Natural Science Foundation of China(No.11671301).; Aiming at the problem that the asset’s fluctuation influences the borrower’s repayment ability,a loan with a new and flexible repayment method is designed,which depends on the asset value of the borrower.The repayme...; 关键词：flexible repayment method repayment ratio early termination clause expected pay off time

Review of Arbitral Award of Network Loan and Analysis of Construction of Implementation Review Rules: 《Proceedings of Business and Economic Studies》2024年第2期32-37,共6页Li Guo; The network arbitration cases arising from the network lending disputes are pouring into the courts in large numbers.It is reported that the network arbitration system of some arbitration institutions even“can accept...; 关键词：Online loan arbitration Execute Review rules CONSTRUCT

AI-Based Hybrid Models for Predicting Loan Risk in the Banking Sector: 《Big Data Mining and Analytics》2023年第4期478-490,共13页Vikas Kumar Shaiku Shahida Saheb Preeti Atif Ghayas Sunil Kumari Jai Kishan Chandel Saroj Kumar Pandey Santosh Kumar; Every real-world scenario is now digitally replicated in order to reduce paperwork and human labor costs.Machine Learning(ML)models are also being used to make predictions in these applications.Accurate forecasting re...; 关键词：Artificial Intelligence(AI) Machine Learning(ML) loan prediction Support Vector Machine(SVM) Random Forest(RF) ACCURACY

Adverse selection,loan access and default behavior in the Chilean consumer debt market: 《Financial Innovation》2023年第1期1566-1594,共29页Carlos Madeira; Why do households use different types of loans?Which factors cause borrowers to default?Using a comprehensive survey dataset from Chile,I estimate a partial information model of consumer debt access,lender choice,loan...; 关键词：Consumer credit Default risk UNEMPLOYMENT Financial literacy Adverse selection Credit constraints

Credit ratings of Chinese online loan platforms based on factor scores and K-means clustering algorithm被引量：1: 《Journal of Management Science and Engineering》2023年第3期287-304,共18页Rongda Chen Shengnan Wang Zhenghao Zhu Jingjing Yu Chao Dang; supported by grants from Major Program of National Social Science Foundation(No.22&ZDo73);the key program of the National Natural Science Foundation of China(NSFC No.71631005).; The rapid development of Chinese online loan platforms(OLPs),as well as their risks,has attracted widespread attention,increasing the demand for a complete credit rating mechanism.The present study establishes a credi...; 关键词：Internet finance Online loan platform Credit ratings Machine learning

Explainable prediction of loan default based on machine learning models: 《Data Science and Management》2023年第3期123-133,共11页Xu Zhu Qingyong Chu Xinchang Song Ping Hu Lu Peng; supported by Fundamental Research Funds for the Central Universities(WUT:2022IVA067).; Owing to the convenience of online loans,an increasing number of people are borrowing money on online platforms.With the emergence of machine learning technology,predicting loan defaults has become a popular topic.How...; 关键词：Explainable prediction Machine learning Loan default Local interpretable model-agnostic explanations

Refined analysis and a hierarchical multi-task learning approach for loan fraud detection被引量：2: 《Journal of Management Science and Engineering》2022年第4期589-607,共19页Liao Chen Ning Jia Hongke Zhao Yanzhe Kang Jiang Deng Shoufeng Ma; the support of the NSFC Project of International Cooperation and Exchanges under Grant No.72010107004;National Natural Science Foundation of China(72101176);Beijing Fantaike Technology Co.Ltd.; Fraud problems in loan application assessment cause significant losses for finance companies worldwide, and much research has focused on machine learning methods to improve the efficacy of fraud detection in some fina...; 关键词：Loan application Fraud detection Information falsification Multi-task learning

Bank loan information and information asymmetry in the stock market:evidence from China被引量：1: 《Financial Innovation》2022年第1期1514-1541,共28页Yanyi Ye Yun Wang Xiaoguang Yang; supported by grants from the National Natural Science Foundation of China(72103017,72192800);Fundamental Research Funds for the Central Universities(ZY2130);Funds for First-class Discipline Construction(XK1802-5);“the Fundamental Research Funds for the Central Universities”in UIBE(17DQ08).; In this study,we use bank loan information to construct proxies for corporate transparency and examine whether these measures reflect information asymmetry in the stock market.Our analysis is based on a novel dataset ...; 关键词：Bank loan information Information asymmetry Corporate transparency Loan default information PIN

Research on the Risk of Fund Management in Small Loan Enterprises: 《外文科技期刊数据库(文摘版)经济管理》2022年第7期134-138,共5页ZHANGYing; Since the China Banking Regulatory Commission and the Peoples Bank of China issued the "Guidance on the Pilot of Small Loan Companies" in 2008, various parts of the country have formulated pilot policies and correspon...; 关键词：small loan enterprises fund management PROBLEMS COUNTERMEASURE

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