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This paper presents a novel approach to credit risk prediction by employing Graph Convolutional Neural Networks (GCNNs) to assess the creditworthiness of borrowers. Leveraging the power of big data and artificial intelligence, the proposed…

Machine Learning · Computer Science 2024-10-08 Mengfang Sun , Wenying Sun , Ying Sun , Shaobo Liu , Mohan Jiang , Zhen Xu

Detecting anomalies in dynamic graphs is a vital task, with numerous practical applications in areas such as security, finance, and social media. Previous network embedding based methods have been mostly focusing on learning good node…

Machine Learning · Computer Science 2020-05-26 Lei Cai , Zhengzhang Chen , Chen Luo , Jiaping Gui , Jingchao Ni , Ding Li , Haifeng Chen

Thanks to graph neural networks (GNNs), semi-supervised node classification has shown the state-of-the-art performance in graph data. However, GNNs have not considered different types of uncertainties associated with class probabilities to…

Machine Learning · Computer Science 2020-11-26 Xujiang Zhao , Feng Chen , Shu Hu , Jin-Hee Cho

Predictions over graphs play a crucial role in various domains, including social networks and medicine. Graph Neural Networks (GNNs) have emerged as the dominant approach for learning on graph data. Although a graph-structure is provided as…

Machine Learning · Computer Science 2024-02-27 Maya Bechler-Speicher , Ido Amos , Ran Gilad-Bachrach , Amir Globerson

Graph neural networks (GNNs) have achieved strong performance in various applications. In the real world, network data is usually formed in a streaming fashion. The distributions of patterns that refer to neighborhood information of nodes…

Machine Learning · Computer Science 2020-12-07 Junshan Wang , Guojie Song , Yi Wu , Liang Wang

Whereas traditional credit scoring tends to employ only individual borrower- or loan-level predictors, it has been acknowledged for some time that connections between borrowers may result in default risk propagating over a network. In this…

General Finance · Quantitative Finance 2024-06-26 Sahab Zandi , Kamesh Korangi , María Óskarsdóttir , Christophe Mues , Cristián Bravo

Many real-world systems can be expressed in temporal networks with nodes playing far different roles in structure and function and edges representing the relationships between nodes. Identifying critical nodes can help us control the spread…

Social and Information Networks · Computer Science 2021-07-07 En-Yu Yu , Yan Fu , Jun-Lin Zhou , Hong-Liang Sun , Duan-Bing Chen

Credit default risk arises from complex interactions among borrowers, financial institutions, and transaction-level behaviors. While strong tabular models remain highly competitive in credit scoring, they may fail to explicitly capture…

Machine Learning · Computer Science 2026-01-22 Yvonne Yang , Eranki Vasistha

Although neural networks (especially deep neural networks) have achieved \textit{better-than-human} performance in many fields, their real-world deployment is still questionable due to the lack of awareness about the limitation in their…

Machine Learning · Computer Science 2023-04-12 Mehedi Hasan , Moloud Abdar , Abbas Khosravi , Uwe Aickelin , Pietro Lio' , Ibrahim Hossain , Ashikur Rahman , Saeid Nahavandi

Temporal graph neural network has recently received significant attention due to its wide application scenarios, such as bioinformatics, knowledge graphs, and social networks. There are some temporal graph neural networks that achieve…

Machine Learning · Computer Science 2023-01-23 Mingyi Liu , Zhiying Tu , Xiaofei Xu , Zhongjie Wang

Graph neural networks (GNNs) have emerged as the standard method for numerous tasks on graph-structured data such as node classification. However, real-world graphs are often evolving over time and even new classes may arise. We model these…

Machine Learning · Computer Science 2021-12-21 Lukas Galke , Benedikt Franke , Tobias Zielke , Ansgar Scherp

Graph Neural Networks (GNNs) are deep-learning architectures designed for graph-type data, where understanding relationships among individual observations is crucial. However, achieving promising GNN performance, especially on unseen data,…

Machine Learning · Computer Science 2024-05-22 Lequan Lin , Dai Shi , Andi Han , Zhiyong Wang , Junbin Gao

Temporal graph neural networks Tgnn have exhibited state-of-art performance in future-link prediction tasks. Training of these TGNNs is enumerated by uniform random sampling based unsupervised loss. During training, in the context of a…

Machine Learning · Computer Science 2024-02-16 Shubham Gupta , Srikanta Bedathur

Modeling multivariate time series has long been a subject that has attracted researchers from a diverse range of fields including economics, finance, and traffic. A basic assumption behind multivariate time series forecasting is that its…

Machine Learning · Computer Science 2020-05-26 Zonghan Wu , Shirui Pan , Guodong Long , Jing Jiang , Xiaojun Chang , Chengqi Zhang

The task of inferring the missing links in a graph based on its current structure is referred to as link prediction. Link prediction methods that are based on pairwise node similarity are well-established approaches in the literature. They…

Social and Information Networks · Computer Science 2020-08-21 Md Kamrul Islam , Sabeur Aridhi , Malika Smail-Tabbone

When engaging in end-to-end graph representation learning with Graph Neural Networks (GNNs), the intricate causal relationships and rules inherent in graph data pose a formidable challenge for the model in accurately capturing authentic…

Machine Learning · Computer Science 2024-06-14 Hang Gao , Peng Qiao , Yifan Jin , Fengge Wu , Jiangmeng Li , Changwen Zheng

Node classification in attributed graphs is an important task in multiple practical settings, but it can often be difficult or expensive to obtain labels. Active learning can improve the achieved classification performance for a given…

Machine Learning · Computer Science 2020-07-13 Florence Regol , Soumyasundar Pal , Yingxue Zhang , Mark Coates

Selective prediction, where a model has the option to abstain from making a decision, is crucial for machine learning applications in which mistakes are costly. In this work, we focus on distributional regression and introduce a framework…

Statistics Theory · Mathematics 2025-04-01 Ahmed Zaoui , Clément Dombry

Graph Neural Networks (GNNs) are widely used deep learning models that learn meaningful representations from graph-structured data. Due to the finite nature of the underlying recurrent structure, current GNN methods may struggle to capture…

Machine Learning · Computer Science 2021-06-02 Fangda Gu , Heng Chang , Wenwu Zhu , Somayeh Sojoudi , Laurent El Ghaoui

This paper builds on the connection between graph neural networks and traditional dynamical systems. We propose continuous graph neural networks (CGNN), which generalise existing graph neural networks with discrete dynamics in that they can…

Machine Learning · Computer Science 2020-07-17 Louis-Pascal A. C. Xhonneux , Meng Qu , Jian Tang
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