Federated learning has been used extensively in business inno-vation scenarios in various industries.This research adopts the federated learning approach for the first time to address the issue of bank-enterprise info...Federated learning has been used extensively in business inno-vation scenarios in various industries.This research adopts the federated learning approach for the first time to address the issue of bank-enterprise information asymmetry in the credit assessment scenario.First,this research designs a credit risk assessment model based on federated learning and feature selection for micro and small enterprises(MSEs)using multi-dimensional enterprise data and multi-perspective enterprise information.The proposed model includes four main processes:namely encrypted entity alignment,hybrid feature selection,secure multi-party computation,and global model updating.Secondly,a two-step feature selection algorithm based on wrapper and filter is designed to construct the optimal feature set in multi-source heterogeneous data,which can provide excellent accuracy and interpretability.In addition,a local update screening strategy is proposed to select trustworthy model parameters for aggregation each time to ensure the quality of the global model.The results of the study show that the model error rate is reduced by 6.22%and the recall rate is improved by 11.03%compared to the algorithms commonly used in credit risk research,significantly improving the ability to identify defaulters.Finally,the business operations of commercial banks are used to confirm the potential of the proposed model for real-world implementation.展开更多
建立了QuEChERS净化结合超高效液相色谱串联四级杆飞行时间质谱(UHPLC-Q-TOF/MS)法同时筛查猪肉中10种抗生素类兽药残留量的分析方法。样品经过Na;EDTA-Mcllvaine缓冲溶液-0.1%甲酸乙腈-NaCl-无水Na_(2)SO_(4)-C_(18)的提取净化。通过In...建立了QuEChERS净化结合超高效液相色谱串联四级杆飞行时间质谱(UHPLC-Q-TOF/MS)法同时筛查猪肉中10种抗生素类兽药残留量的分析方法。样品经过Na;EDTA-Mcllvaine缓冲溶液-0.1%甲酸乙腈-NaCl-无水Na_(2)SO_(4)-C_(18)的提取净化。通过Infinity Lab Poroshell 120 EC-C_(18)色谱柱分离,在正离子多反应监测模式下分析。结果表明,10种兽药相关系数大于0.99,在5.0~100.0μg/kg范围内线性关系良好,在5、10、20μg/kg三个添加水平下平均回收率为72.3%~117.3%,日内相对标准偏差为(Relative Standard Deviation,RSD)0.9%~10.4%,日间RSD为1.1%~13.4%,检测限(Limit of Detection,LOD)为0.25~1.0μg/kg,定量限(Limit of Quantity,LOQ)为0.5~5.0μg/kg。采用本方法对市场购买的50份新鲜生猪肉样品进行检测,1份样品四环素呈阳性,其余样品均未检出。该方法操作简便、快速,具有良好的精密度和定量限,适用于猪肉中10种抗生素类兽药的快速检测。展开更多
基金funded by the State Grid Jiangsu Electric Power Company(Grant No.JS2020112)the National Natural Science Foundation of China(Grant No.62272236).
文摘Federated learning has been used extensively in business inno-vation scenarios in various industries.This research adopts the federated learning approach for the first time to address the issue of bank-enterprise information asymmetry in the credit assessment scenario.First,this research designs a credit risk assessment model based on federated learning and feature selection for micro and small enterprises(MSEs)using multi-dimensional enterprise data and multi-perspective enterprise information.The proposed model includes four main processes:namely encrypted entity alignment,hybrid feature selection,secure multi-party computation,and global model updating.Secondly,a two-step feature selection algorithm based on wrapper and filter is designed to construct the optimal feature set in multi-source heterogeneous data,which can provide excellent accuracy and interpretability.In addition,a local update screening strategy is proposed to select trustworthy model parameters for aggregation each time to ensure the quality of the global model.The results of the study show that the model error rate is reduced by 6.22%and the recall rate is improved by 11.03%compared to the algorithms commonly used in credit risk research,significantly improving the ability to identify defaulters.Finally,the business operations of commercial banks are used to confirm the potential of the proposed model for real-world implementation.
文摘建立了QuEChERS净化结合超高效液相色谱串联四级杆飞行时间质谱(UHPLC-Q-TOF/MS)法同时筛查猪肉中10种抗生素类兽药残留量的分析方法。样品经过Na;EDTA-Mcllvaine缓冲溶液-0.1%甲酸乙腈-NaCl-无水Na_(2)SO_(4)-C_(18)的提取净化。通过Infinity Lab Poroshell 120 EC-C_(18)色谱柱分离,在正离子多反应监测模式下分析。结果表明,10种兽药相关系数大于0.99,在5.0~100.0μg/kg范围内线性关系良好,在5、10、20μg/kg三个添加水平下平均回收率为72.3%~117.3%,日内相对标准偏差为(Relative Standard Deviation,RSD)0.9%~10.4%,日间RSD为1.1%~13.4%,检测限(Limit of Detection,LOD)为0.25~1.0μg/kg,定量限(Limit of Quantity,LOQ)为0.5~5.0μg/kg。采用本方法对市场购买的50份新鲜生猪肉样品进行检测,1份样品四环素呈阳性,其余样品均未检出。该方法操作简便、快速,具有良好的精密度和定量限,适用于猪肉中10种抗生素类兽药的快速检测。
