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Range control-based class imbalance and optimized granular elastic net regression feature selection for credit risk assessment
Credit risk, stemming from the failure of a contractual party, is a significant variable in financial institutions. Assessing credit risk involves...
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Prediction and assessment of credit risk using an adaptive Binarized spiking marine predators’ neural network in financial sector
The rapid advancement of technologies has pushed for additional enhancements to banking and other credit platforms. While assisting small and medium...
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Credit Risk Assessment - A Machine Learning Approach
Banks are foregoing their present reserves for future sources of Revenue. This source is associated with a risk called credit default risk which...
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Responsible Credit Risk Assessment with Machine Learning and Knowledge Acquisition
Making responsible lending decisions involves many factors. There is a growing amount of research on machine learning applied to credit risk...
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The Most Effective Strategy for Incorporating Feature Selection into Credit Risk Assessment
This paper aims to identify the most effective strategy for incorporating feature selection (FS) into credit risk classification, employing three...
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Enhancing credit risk prediction with hybrid deep learning and sand cat swarm feature selection
Credit risk prediction method acts as a vital financial tool for measuring the default probability of credit applicants. For financial institutions,...
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Automated credit assessment framework using ETL process and machine learning
In the current business scenario, real-time analysis of enterprise data through Business Intelligence (BI) is crucial for supporting operational...
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A credit risk assessment on borrowers classification using optimized decision tree and KNN with bayesian optimization
Credit risk evaluation is extremely important in the peer-to-peer lending model for finding out the defaulters. In this proposed work, a machine...
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Credit risk evaluation: a comprehensive study
To date, there has been relatively little research in the field of credit risk analysis that compares all of the well known statistical, optimization...
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Credit Risk Assessment Model of Supply Chain Finance Under the Background of Big Data
Financial institutions must clarify the logical relationship of supply chain finance operations, objectively evaluate the qualifications of credit...
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Toward interpretable credit scoring: integrating explainable artificial intelligence with deep learning for credit card default prediction
In recent years, the increasing prevalence of credit card usage has raised concerns about accurately predicting and managing credit card defaults....
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Machine learning-driven credit risk: a systemic review
Credit risk assessment is at the core of modern economies. Traditionally, it is measured by statistical methods and manual auditing. Recent advances...
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Credit Risk Scoring Using a Data Fusion Approach
Credit scoring is a vital task in the financial industry for assessing the creditworthiness of companies and mitigating credit risks. In recent...
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Credit risk assessment of small and medium-sized enterprises in supply chain finance based on SVM and BP neural network
Our country’s market economy is composed of enterprises. However, due to their inherent credit deficiencies and high risks of management, it is very...
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A machine learning-based credit risk prediction engine system using a stacked classifier and a filter-based feature selection method
Credit risk prediction is a crucial task for financial institutions. The technological advancements in machine learning, coupled with the...
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Explainable Model of Credit Risk Assessment Based on Convolutional Neural Networks
Credit Risk Assessment estimates the probability of loss due to a borrower’s failure to repay a loan or credit. Therefore, one of the principal...
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Machine learning in corporate credit rating assessment using the expanded audit report
We investigate whether key audit matter (KAM) paragraphs disclosed in extended audit reports—paragraphs in which the auditor highlights significant...
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Framework for multi-criteria assessment of classification models for the purposes of credit scoring
The main dilemma in the case of classification tasks is to find—from among many combinations of methods, techniques and values of their...
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Bank Credit Risk Prediction Based on MCDM and CNN
Bank bankruptcy will trigger a credit crisis and produce a series of chain reactions, which have great destructive power to a country's economy....
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Study on Credit Risk Control by Variational Inference
This paper presents the development of an intelligent, machine learning-based Markov chain model to investigate loan risk and strategies for...