With the rapid development of the internet of things(IoT),electricity consumption data can be captured and recorded in the IoT cloud center.This provides a credible data source for enterprise credit scoring,which is o...With the rapid development of the internet of things(IoT),electricity consumption data can be captured and recorded in the IoT cloud center.This provides a credible data source for enterprise credit scoring,which is one of the most vital elements during the financial decision-making process.Accordingly,this paper proposes to use deep learning to train an enterprise credit scoring model by inputting the electricity consumption data.Instead of predicting the credit rating,our method can generate an absolute credit score by a novel deep ranking model–ranking extreme gradient boosting net(rankXGB).To boost the performance,the rankXGB model combines several weak ranking models into a strong model.Due to the high computational cost and the vast amounts of data,we design an edge computing framework to reduce the latency of enterprise credit evaluation.Specially,we design a two-stage deep learning task architecture,including a cloud-based weak credit ranking and an edge-based credit score calculation.In the first stage,we send the electricity consumption data of the evaluated enterprise to the computing cloud server,where multiple weak-ranking networks are executed in parallel to produce multiple weak-ranking results.In the second stage,the edge device fuses multiple ranking results generated in the cloud server to produce a more reliable ranking result,which is used to calculate an absolute credit score by score normalization.The experiments demonstrate that our method can achieve accurate enterprise credit evaluation quickly.展开更多
Requested by Ministry of Commerce of China and SASAC （State-owned Assets Supervision and Administration Commission of the State Council）, the credit evaluation of refractories enterprises was carried out by The Asso...Requested by Ministry of Commerce of China and SASAC （State-owned Assets Supervision and Administration Commission of the State Council）, the credit evaluation of refractories enterprises was carried out by The Association of China Refractories Industry based on the principle of open, justice, and impartiality. Thirty one enterprises were awarded AAA-level credit including Sinosteel Luoyang Institute of Refractories Research Co., Ltd. （LIRR）.展开更多
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 w...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.展开更多
基金This research was funded by National Natural Science Foundation of China (61906036)Science and Technology Project of State Grid Jiangsu Power Supply Company (No.J2021034).
文摘With the rapid development of the internet of things(IoT),electricity consumption data can be captured and recorded in the IoT cloud center.This provides a credible data source for enterprise credit scoring,which is one of the most vital elements during the financial decision-making process.Accordingly,this paper proposes to use deep learning to train an enterprise credit scoring model by inputting the electricity consumption data.Instead of predicting the credit rating,our method can generate an absolute credit score by a novel deep ranking model–ranking extreme gradient boosting net(rankXGB).To boost the performance,the rankXGB model combines several weak ranking models into a strong model.Due to the high computational cost and the vast amounts of data,we design an edge computing framework to reduce the latency of enterprise credit evaluation.Specially,we design a two-stage deep learning task architecture,including a cloud-based weak credit ranking and an edge-based credit score calculation.In the first stage,we send the electricity consumption data of the evaluated enterprise to the computing cloud server,where multiple weak-ranking networks are executed in parallel to produce multiple weak-ranking results.In the second stage,the edge device fuses multiple ranking results generated in the cloud server to produce a more reliable ranking result,which is used to calculate an absolute credit score by score normalization.The experiments demonstrate that our method can achieve accurate enterprise credit evaluation quickly.
文摘Requested by Ministry of Commerce of China and SASAC （State-owned Assets Supervision and Administration Commission of the State Council）, the credit evaluation of refractories enterprises was carried out by The Association of China Refractories Industry based on the principle of open, justice, and impartiality. Thirty one enterprises were awarded AAA-level credit including Sinosteel Luoyang Institute of Refractories Research Co., Ltd. （LIRR）.
基金Innovation Program of Shanghai Municipal Education Commission,China(No.12YZ191)
文摘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.
