相关论文: Determining Secondary Attributes for Credit Evalua…

Long-term fairness algorithms aim to satisfy fairness beyond static and short-term notions by accounting for the dynamics between decision-making policies and population behavior. Most previous approaches evaluate performance and fairness…

We build a 167-indicator comprehensive credit risk indicator set, integrating macro, corporate financial, bond-specific indicators, and for the first time, 30 large-scale corporate non-financial indicators. We use seven machine learning…

Why do companies choose particular capital structures? A compelling answer to this question remains elusive despite extensive research. In this article, we use double machine learning to examine the heterogeneous causal effect of credit…

The forecasting of the credit default risk has been an important research field for several decades. Traditionally, logistic regression has been widely recognized as a solution due to its accuracy and interpretability. As a recent trend,…

Nowadays, feature selection is frequently used in machine learning when there is a risk of performance degradation due to overfitting or when computational resources are limited. During the feature selection process, the subset of features…

With the rapid development of online social media, online shopping sites and cyber-physical systems, heterogeneous information networks have become increasingly popular and content-rich over time. In many cases, such networks contain…

Cognitive attributes are fundamental to metacognition, shaping how individuals process information, evaluate choices, and make decisions. To develop metacognitive artificial intelligence (AI) models that reflect human reasoning, it is…

The development of largely human-annotated benchmarks has driven the success of deep neural networks in various NLP tasks. To enhance the effectiveness of existing benchmarks, collecting new additional input-output pairs is often too costly…

Machine learning models are increasingly used to automate decisions that affect humans - deciding who should receive a loan, a job interview, or a social service. In such applications, a person should have the ability to change the decision…

In an effort to improve the accuracy of credit lending decisions, many financial intuitions are now using predictions from machine learning models. While such predictions enjoy many advantages, recent research has shown that the predictions…

Clustering analysis of daily load profiles represents an effective technique to classify and aggregate electric users based on their actual consumption patterns. Among other purposes, it may be exploited as a preliminary stage for load…

The thin-file borrowers are customers for whom a creditworthiness assessment is uncertain due to their lack of credit history; many researchers have used borrowers' relationships and interactions networks in the form of graphs as an…

Sovereign credit ratings summarize the creditworthiness of countries. These ratings have a large influence on the economy and the yields at which governments can issue new debt. This paper investigates the use of a Multilayer Perceptron…

Leaderboard scores on public benchmarks have been steadily rising and converging, with many frontier language models now separated by only marginal differences. However, these scores often fail to match users' day to day experience, because…

Artificial Intelligence (AI) is an important driving force for the development and transformation of the financial industry. However, with the fast-evolving AI technology and application, unintentional bias, insufficient model validation,…

Income verification is the problem of validating a person's stated income given basic identity information such as name, location, job title and employer. It is widely used in the context of mortgage lending, rental applications and other…

Attribute-aware CF models aims at rating prediction given not only the historical rating from users to items, but also the information associated with users (e.g. age), items (e.g. price), or even ratings (e.g. rating time). This paper…

Person attributes are often exploited as mid-level human semantic information to help promote the performance of person re-identification task. In this paper, unlike most existing methods simply taking attribute learning as a classification…

The use of robo-readers to analyze news texts is an emerging technology trend in computational finance. In recent research, a substantial effort has been invested to develop sophisticated financial polarity-lexicons that can be used to…

Credit risk modeling has permeated our everyday life. Most banks and financial companies use this technique to model their clients' trustworthiness. While machine learning is increasingly used in this field, the resulting large-scale…