Credit Evaluation Model for College Students Based on Logistic Regression Model

Internet financing in China has been developing rapidly in China.Recently,college students start to be one of emerging target group of internet consumer financing services.However,college students' credit has not been fully taken account yet.This paper aims at contributing to making a step for solving this issue.In this paper,a credit fraud evaluation model is developed using a university' s students ' grade and campus consumption data.A logistic regression model is trained with the students' grade and daily consumption data.The features of the model with stepwise regression methods are selected.And this model achieves that the paper predicts the students' fault rate accurately.

The Council Carries out Credit Evaluation Work for Chinese Textile and Apparel Enterprises

On March 15th,in Beijing,the day of World Consumer Right,the China National Textile and Apparel Council (CNTAC) released the announcement

An Interpretable Personal Credit Evaluation Model

How to establish a personal credit evaluation model with both interpretability and high prediction accuracy is an essential task in the credit risk management of commercial banks.To realize interpretable personal credit evaluation with high accuracy,it proposes an interpretable personal credit evaluation model DTONN(i.e.,Decision Tree extracted from Neural Network)that combines the interpretability of decision tree and the high prediction accuracy of neural network.Significant features were selected from raw features by a decision tree,and a four-layer neural network was constructed to predict personal credit by using the selected features.Therefore,the accurate credit evaluation was made through the neural network and associated decision process was intelligibly displayed in the form of a decision tree.In the experiments,DTONN was compared with four personal credit evaluation models:decision tree,neural network,support vector machine,and logistic regression,on giveme-some-credit credit dataset.The experimental results show that our proposed model is state-of-the-art both on the accuracy and interpretability.

Credit risk evaluation using adaptive Lq penalty SVM with Gauss kernel

In order to improve the performance of support vector machine (SVM) applications in the field of credit risk evaluation, an adaptive Lq SVM model with Gauss kernel (ALqG-SVM) is proposed to evaluate credit risks. The non-adaptive penalty of the object function is extended to (0, 2] to increase classification accuracy. To further improve the generalization performance of the proposed model, the Gauss kernel is introduced, thus the non-linear classification problem can be linearly separated in higher dimensional feature space. Two UCI credit datasets and a real life credit dataset from a US major commercial bank are used to check the efficiency of this model. Compared with other popular methods, satisfactory results are obtained through a novel method in the area of credit risk evaluation. So the new model is an excellent choice.

Clues from networks:quantifying relational risk for credit risk evaluation of SMEs

Owing to information asymmetry,evaluating the credit risk of small-and mediumsized enterprises(SMEs)is difficult.While previous studies evaluating the credit risk of SMEs have mostly focused on intrinsic risk generated by SMEs,our study considers both intrinsic and relational risks generated by neighbor firms’publicly available risk events.We propose a framework for quantifying relational risk based on publicly available risk events for SMEs’credit risk evaluation.Our proposed framework quantifies relational risk by weighting the impact of publicly available risk events of each firm in an interfirm network—considering the impact of interfirm network type,risk event type,and time dependence of risk events—and combines the relational risk score with financial and demographic features to evaluate SMEs credit risk.Our results reveal that relational risk score significantly improves both discrimination and granting performances of credit risk evaluation of SMEs,providing valuable managerial and practical implications for financial institutions.

Improved hybrid resampling and ensemble model for imbalance learning and credit evaluation

A clustering-based undersampling (CUS) and distance-based near-miss method are widely used in current imbalanced learning algorithms, but this method has certain drawbacks. In particular, the CUS does not consider the influence of the distance factor on the majority of instances, and the near-miss method omits the inter-class(es) within the majority of samples. To overcome these drawbacks, this study proposes an undersampling method combining distance measurement and majority class clustering. Resampling methods are used to develop an ensemble-based imbalanced-learning algorithm called the clustering and distance-based imbalance learning model (CDEILM). This algorithm combines distance-based undersampling, feature selection, and ensemble learning. In addition, a cluster size-based resampling (CSBR) method is proposed for preserving the original distribution of the majority class, and a hybrid imbalanced learning framework is constructed by fusing various types of resampling methods. The combination of CDEILM and CSBR can be considered as a specific case of this hybrid framework. The experimental results show that the CDEILM and CSBR methods can achieve better performance than the benchmark methods, and that the hybrid model provides the best results under most circumstances. Therefore, the proposed model can be used as an alternative imbalanced learning method under specific circumstances, e.g., for providing a solution to credit evaluation problems in financial applications.

Research and Implementation of the Enterprise Evaluation Based on a Fusion Clustering Model of AHP-FCM

Traditional clustering method is easy to slow convergence speed because of high data dimension and setting random initial clustering center. To improve these problems, a novel method combining subtractive clustering with fuzzy C-means( FCM)clustering will be advanced. In the method, the initial cluster number and cluster center can be obtained using subtractive clustering. On this basis,clustering result will be further optimized with FCM. In addition,the data dimension will be reduced through the analytic hierarchy process( AHP) before clustering calculating.In order to verify the effectiveness of fusion algorithm,an example about enterprise credit evaluation will be carried out. The results show that the fusion clustering algorithm is suitable for classifying high-dimension data,and the algorithm also does well in running up processing speed and improving visibility of result. So the method is suitable to promote the use.

The Application of Genetic Algorithms and Multidimensional Distinguishing Model in Forecasting and Evaluating Credits for Mobile Clients

To solve the arrearage problem that puzzled most of the mobile corporations, we propose an approach to forecast and evaluate the credits for mobile clients, devising a method that is of the coalescence of genetic algorithm and multidimensional distinguishing model. In the end of this paper, a result of a testing application in Zhuhai Branch, GMCC was provided. The precision of the forecasting and evaluation of the client’s credit is near 90%. This study is very significant to the mobile communication corporation at all levels. The popularization of the techniques and the result would produce great benefits of both society and economy.

Research on Multi-Blockchain Electronic Archives Sharing Model

The purpose of introducing blockchain into electronic archives sharing and utilization is to break the information barrier between electronic archives sharing departments by relying on technologies such as smart contract and asymmetric encryption.Aiming at the problem of dynamic permission management in common access control methods,a new access control method based on smart contract under blockchain is proposed,which improves the intelligence level under blockchain technology.Firstly,the Internet attribute access control model based on smart contract is established.For the dynamic access of heterogeneous devices,the management contract,permission judgment contract and access control contract are designed;Secondly,the access object credit evaluation algorithm based on particle swarm optimization radial basis function(PSO-RBF)neural network is used to dynamically generate the access node credit threshold combined with the access policy,so as to realize the intelligent access right management method.Finally,combined with the abovemodels and algorithms,the workflow of electronic archives sharing and utilization model of multi blockchain is constructed.The experimental results show that the timeconsuming of the process increases linearly with the number of continuous access to electronic archives blocks,and the secure access control of sharing and utilization is feasible,secure and effective.