There are problems of inadequate natural endowment and weak stamina in the development of micro-credit loans to farmers in China. Specifically,existing problems include narrow profit space,serious non-agricultural tre...There are problems of inadequate natural endowment and weak stamina in the development of micro-credit loans to farmers in China. Specifically,existing problems include narrow profit space,serious non-agricultural trend of funds,high dependence on government support,short life cycle,and constantly increasing operating risks. These problems are related to endogenous drawback in design,defect in operating procedure,lagging in relevant policies and measures,and vacancy in risk compensation mechanism.展开更多
We elaborate relevant theories of farmers' relational network,including the Differential Model of Association,the Strength of Weak Tie,Strength of Strong Tie and Favor and Face.The farmers' relational network ...We elaborate relevant theories of farmers' relational network,including the Differential Model of Association,the Strength of Weak Tie,Strength of Strong Tie and Favor and Face.The farmers' relational network in the Differential Model of Association can be divided into three layers:strong tie,weak tie and irrelative relationship according to Granovetter theory.These three layers have deep influence on opportunity selection during the undertaking,financing and enterprise development.With rational knowledge of these layers,farmers may exploit undertaking resources.On the basis of these,we made detailed analysis on farmers' selection of relations in the opportunity selection,financing and enterprise development stages.展开更多
In order to reduce the risk of non-performing loans, losses, and improve the loan approval efficiency, it is necessary to establish an intelligent loan risk and approval prediction system. A hybrid deep learning model...In order to reduce the risk of non-performing loans, losses, and improve the loan approval efficiency, it is necessary to establish an intelligent loan risk and approval prediction system. A hybrid deep learning model with 1DCNN-attention network and the enhanced preprocessing techniques is proposed for loan approval prediction. Our proposed model consists of the enhanced data preprocessing and stacking of multiple hybrid modules. Initially, the enhanced data preprocessing techniques using a combination of methods such as standardization, SMOTE oversampling, feature construction, recursive feature elimination (RFE), information value (IV) and principal component analysis (PCA), which not only eliminates the effects of data jitter and non-equilibrium, but also removes redundant features while improving the representation of features. Subsequently, a hybrid module that combines a 1DCNN with an attention mechanism is proposed to extract local and global spatio-temporal features. Finally, the comprehensive experiments conducted validate that the proposed model surpasses state-of-the-art baseline models across various performance metrics, including accuracy, precision, recall, F1 score, and AUC. Our proposed model helps to automate the loan approval process and provides scientific guidance to financial institutions for loan risk control.展开更多
This paper illustrates three developmental stages of the functional transformation of western governments characterized by different extent of state involvement in economic activities.It investigates the functional ro...This paper illustrates three developmental stages of the functional transformation of western governments characterized by different extent of state involvement in economic activities.It investigates the functional role of nation-state in urbanization process in the context of western advanced economies with a particular focus on the laws and regulations,delineating the subjects,objectives,operational procedure,approval system,compensation standard and so on in relation to land expropriation.It also discusses the direction of the adjustment of state functions in China along three lines,including the transformation from political government to economic government,from direct management to indirect management and from comprehensive government to service-oriented and limited government.The paper probes into the roles that Chinese government should play in the urbanization process of land-lost peasants in terms of institutional innovation,optimal utilization of land compensation and related rules and regulations.Finally,it provides policy recommendations for the establishment of three-level state functional networks in order to address the challenge posed by amounting number of land-lost peasants.展开更多
According to the index early warning method, a commercial bank loans risk early warning system based on BP neural networks is proposed. The warning signal is mainly involved with the financial situation signal of loan...According to the index early warning method, a commercial bank loans risk early warning system based on BP neural networks is proposed. The warning signal is mainly involved with the financial situation signal of loaning corporation. Except the structure description of the system structure the demonstration of attemptive designing is also elaborated.展开更多
Intelligent Decision Support System (IISS) for Bank Loans Risk Classification (BLRC), based on the way of integration Artificial Neural Network (ANN) and Expert System (ES), is proposed. According to the feature of BL...Intelligent Decision Support System (IISS) for Bank Loans Risk Classification (BLRC), based on the way of integration Artificial Neural Network (ANN) and Expert System (ES), is proposed. According to the feature of BLRC, the key financial and non-financial factors are analyzed. Meanwhile, ES and Model Base (MB) which contain ANN are designed . The general framework,interaction and integration of the system are given. In addition, how the system realizes BLRC is elucidated in detail.展开更多
文摘There are problems of inadequate natural endowment and weak stamina in the development of micro-credit loans to farmers in China. Specifically,existing problems include narrow profit space,serious non-agricultural trend of funds,high dependence on government support,short life cycle,and constantly increasing operating risks. These problems are related to endogenous drawback in design,defect in operating procedure,lagging in relevant policies and measures,and vacancy in risk compensation mechanism.
基金Supported by the Project of Rural Development Research Center of Anhui University (2011sk690)Innovative Experimental Program for Undergraduates of Anhui University (xj103575100)
文摘We elaborate relevant theories of farmers' relational network,including the Differential Model of Association,the Strength of Weak Tie,Strength of Strong Tie and Favor and Face.The farmers' relational network in the Differential Model of Association can be divided into three layers:strong tie,weak tie and irrelative relationship according to Granovetter theory.These three layers have deep influence on opportunity selection during the undertaking,financing and enterprise development.With rational knowledge of these layers,farmers may exploit undertaking resources.On the basis of these,we made detailed analysis on farmers' selection of relations in the opportunity selection,financing and enterprise development stages.
文摘In order to reduce the risk of non-performing loans, losses, and improve the loan approval efficiency, it is necessary to establish an intelligent loan risk and approval prediction system. A hybrid deep learning model with 1DCNN-attention network and the enhanced preprocessing techniques is proposed for loan approval prediction. Our proposed model consists of the enhanced data preprocessing and stacking of multiple hybrid modules. Initially, the enhanced data preprocessing techniques using a combination of methods such as standardization, SMOTE oversampling, feature construction, recursive feature elimination (RFE), information value (IV) and principal component analysis (PCA), which not only eliminates the effects of data jitter and non-equilibrium, but also removes redundant features while improving the representation of features. Subsequently, a hybrid module that combines a 1DCNN with an attention mechanism is proposed to extract local and global spatio-temporal features. Finally, the comprehensive experiments conducted validate that the proposed model surpasses state-of-the-art baseline models across various performance metrics, including accuracy, precision, recall, F1 score, and AUC. Our proposed model helps to automate the loan approval process and provides scientific guidance to financial institutions for loan risk control.
基金Supported by National Natural Science Foundation(40701043)
文摘This paper illustrates three developmental stages of the functional transformation of western governments characterized by different extent of state involvement in economic activities.It investigates the functional role of nation-state in urbanization process in the context of western advanced economies with a particular focus on the laws and regulations,delineating the subjects,objectives,operational procedure,approval system,compensation standard and so on in relation to land expropriation.It also discusses the direction of the adjustment of state functions in China along three lines,including the transformation from political government to economic government,from direct management to indirect management and from comprehensive government to service-oriented and limited government.The paper probes into the roles that Chinese government should play in the urbanization process of land-lost peasants in terms of institutional innovation,optimal utilization of land compensation and related rules and regulations.Finally,it provides policy recommendations for the establishment of three-level state functional networks in order to address the challenge posed by amounting number of land-lost peasants.
基金Supported by the National Science Foundation of China(Approved NO.79770086)
文摘According to the index early warning method, a commercial bank loans risk early warning system based on BP neural networks is proposed. The warning signal is mainly involved with the financial situation signal of loaning corporation. Except the structure description of the system structure the demonstration of attemptive designing is also elaborated.
基金the National Natural Science Fund of China(Approved No.79779986)
文摘Intelligent Decision Support System (IISS) for Bank Loans Risk Classification (BLRC), based on the way of integration Artificial Neural Network (ANN) and Expert System (ES), is proposed. According to the feature of BLRC, the key financial and non-financial factors are analyzed. Meanwhile, ES and Model Base (MB) which contain ANN are designed . The general framework,interaction and integration of the system are given. In addition, how the system realizes BLRC is elucidated in detail.
