期刊文献+
共找到3篇文章
< 1 >
每页显示 20 50 100
Research on Personal Credit Risk Assessment Model Based on Instance-Based Transfer Learning 认领
1
作者 Maoguang Wang Hang Yang 《智能科学国际期刊(英文)》 2021年第1期44-55,共12页
Personal credit risk assessment is an important part of the development of financial enterprises. Big data credit investigation is an inevitable trend of personal credit risk assessment, but some data are missing and ... Personal credit risk assessment is an important part of the development of financial enterprises. Big data credit investigation is an inevitable trend of personal credit risk assessment, but some data are missing and the amount of data is small, so it is difficult to train. At the same time, for different financial platforms, we need to use different models to train according to the characteristics of the current samples, which is time-consuming. <span style="font-family:Verdana;">In view of</span><span style="font-family:Verdana;"> these two problems, this paper uses the idea of transfer learning to build a transferable personal credit risk model based on Instance-based Transfer Learning (Instance-based TL). The model balances the weight of the samples in the source domain, and migrates the existing large dataset samples to the target domain of small samples, and finds out the commonness between them. At the same time, we have done a lot of experiments on the selection of base learners, including traditional machine learning algorithms and ensemble learning algorithms, such as decision tree, logistic regression, </span><span style="font-family:Verdana;">xgboost</span> <span style="font-family:Verdana;">and</span><span style="font-family:Verdana;"> so on. The datasets are from P2P platform and bank, the results show that the AUC value of Instance-based TL is 24% higher than that of the traditional machine learning model, which fully proves that the model in this paper has good application value. The model’s evaluation uses AUC, prediction, recall, F1. These criteria prove that this model has good application value from many aspects. At present, we are trying to apply this model to more fields to improve the robustness and applicability of the model;on the other hand, we are trying to do more in-depth research on domain adaptation to enrich the model.</span> 展开更多
关键词 Personal Credit Risk Big Data Credit Investigation Instance-Based Transfer Learning
在线阅读 免费下载
我国大数据征信行业的发展现状、问题与对策 认领 被引量:4
2
作者 杨亚仙 庞文静 《征信》 北大核心 2020年第2期49-52,共4页
近年来,我国大数据征信广泛应用于反欺诈策略、信用评估、授信策略与风险定价、贷后管理等领域。针对我国现有征信模式存在的问题,提出明确信息采集范围、加快行业整合、推进应用场景多元化、提升个人信用意识等相应对策。
关键词 大数据征信 征信模式 个人征信 征信机构
在线阅读 下载PDF
大数据背景下信用信息共享的法理基础 认领
3
作者 程波 舒宗盛 《广西警察学院学报》 2020年第6期12-17,共6页
随着信息技术和网络科技的发展,传统征信逐渐向大数据征信过渡。相对于传统征信,大数据征信实现了信用信息数据采集、分析和产出的高效性及中立性,突破了传统征信数据来源单一、数据规模有限、数据处理效率低的局限性。促进信用信息共... 随着信息技术和网络科技的发展,传统征信逐渐向大数据征信过渡。相对于传统征信,大数据征信实现了信用信息数据采集、分析和产出的高效性及中立性,突破了传统征信数据来源单一、数据规模有限、数据处理效率低的局限性。促进信用信息共享是实现大数据征信效应最大化的必然之路。要实现信用信息共享,必须阐明信用信息数据的权属关系,厘清基于信用信息数据上的个人信用权与个人信息权二元价值,以及信用信息共享的法理基础。 展开更多
关键词 征信 大数据征信 信用信息共享 数据权属
在线阅读 下载PDF
上一页 1 下一页 到第
使用帮助 返回顶部 意见反馈