{"id":"https://openalex.org/W4290697832","doi":"https://doi.org/10.1155/2022/4276253","title":"Online Loan Default Prediction Model Based on Deep Learning Neural Network","display_name":"Online Loan Default Prediction Model Based on Deep Learning Neural Network","publication_year":2022,"publication_date":"2022-08-08","ids":{"openalex":"https://openalex.org/W4290697832","doi":"https://doi.org/10.1155/2022/4276253","pmid":"https://pubmed.ncbi.nlm.nih.gov/35978904","pmcid":"https://www.ncbi.nlm.nih.gov/pmc/articles/9377862"},"language":"en","primary_location":{"id":"doi:10.1155/2022/4276253","doi":"https://doi.org/10.1155/2022/4276253","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2022/4276253","pdf_url":"https://downloads.hindawi.com/journals/cin/2022/4276253.pdf","source":{"id":"https://openalex.org/S72372694","display_name":"Computational Intelligence and Neuroscience","issn_l":"1687-5265","issn":["1687-5265","1687-5273"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["anvur-scientific","cwts-core","poland-20","vabb-shw"],"host_organization":"https://openalex.org/P4310319869","host_organization_name":"Hindawi Publishing Corporation","host_organization_lineage":["https://openalex.org/P4310319869","https://openalex.org/P4310320595"],"host_organization_lineage_names":["Hindawi Publishing Corporation","Wiley"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Computational Intelligence and Neuroscience","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref","doaj","pubmed"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://downloads.hindawi.com/journals/cin/2022/4276253.pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5063465081","display_name":"Li Baodong","orcid":"https://orcid.org/0000-0003-0836-0986","observed_orcids":["https://orcid.org/0000-0003-0836-0986"]},"institutions":[{"id":"https://openalex.org/I7726996","display_name":"Henan University of Economic and Law","ror":"https://ror.org/000jtc944","country_code":"CN","type":"education","lineage":["https://openalex.org/I7726996"]}],"countries":["CN"],"is_corresponding":true,"raw_author_name":"Baodong Li","raw_affiliation_strings":["School of Statistics and Big Data, Henan University of Economics and Law, Zhengzhou 450046, Henan, China"],"raw_orcid":"https://orcid.org/0000-0003-0836-0986","affiliations":[{"raw_affiliation_string":"School of Statistics and Big Data, Henan University of Economics and Law, Zhengzhou 450046, Henan, China","institution_ids":["https://openalex.org/I7726996"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5063465081"],"corresponding_institution_ids":["https://openalex.org/I7726996"],"apc_list":{"value":2550,"currency":"USD","value_usd":2550},"apc_paid":{"value":2550,"currency":"USD","value_usd":2550},"fwci":4.0471,"has_fulltext":true,"cited_by_count":15,"citation_normalized_percentile":{"value":0.93638677,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":93,"max":98},"biblio":{"volume":"2022","issue":null,"first_page":"1","last_page":"9"},"is_retracted":true,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9696999788284302,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9696999788284302,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.02500000037252903,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14368","display_name":"Evaluation and Optimization Models","score":0.0013000000035390258,"subfield":{"id":"https://openalex.org/subfields/2213","display_name":"Safety, Risk, Reliability and Quality"},"field":{"id":"https://openalex.org/fields/22","display_name":"Engineering"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/loan-default-prediction","display_name":"loan default prediction","score":0.8619999885559082},{"id":"https://openalex.org/keywords/credit-risk-assessment","display_name":"credit risk assessment","score":0.7229999899864197},{"id":"https://openalex.org/keywords/back-propagation-neural-network","display_name":"BP neural network","score":0.8379999995231628},{"id":"https://openalex.org/keywords/deep-neural-network","display_name":"deep neural network","score":0.6940000057220459},{"id":"https://openalex.org/keywords/support-vector-machine-comparison","display_name":"support vector machine comparison","score":0.7129999995231628},{"id":"https://openalex.org/keywords/regression-model-comparison","display_name":"regression model comparison","score":0.5440000295639038}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.7055172324180603},{"id":"https://openalex.org/C50644808","wikidata":"https://www.wikidata.org/wiki/Q192776","display_name":"Artificial neural network","level":2,"score":0.6451007127761841},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.625347375869751},{"id":"https://openalex.org/C108583219","wikidata":"https://www.wikidata.org/wiki/Q197536","display_name":"Deep learning","level":2,"score":0.5842947959899902},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.5048204064369202},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.49474474787712097},{"id":"https://openalex.org/C141516989","wikidata":"https://www.wikidata.org/wiki/Q1182555","display_name":"Default mode network","level":3,"score":0.42271897196769714},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.3594534993171692},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.1679072082042694},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.1553102731704712},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.15132996439933777},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.11372840404510498},{"id":"https://openalex.org/C169760540","wikidata":"https://www.wikidata.org/wiki/Q207011","display_name":"Neuroscience","level":1,"score":0.11162608861923218},{"id":"https://openalex.org/C3018011982","wikidata":"https://www.wikidata.org/wiki/Q7316120","display_name":"Functional connectivity","level":2,"score":0.10931703448295593}],"mesh":[{"descriptor_ui":"D000077321","descriptor_name":"Deep Learning","qualifier_ui":null,"qualifier_name":null,"is_major_topic":true},{"descriptor_ui":"D016571","descriptor_name":"Neural Networks, Computer","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D060388","descriptor_name":"Support Vector Machine","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false}],"locations_count":4,"locations":[{"id":"doi:10.1155/2022/4276253","doi":"https://doi.org/10.1155/2022/4276253","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2022/4276253","pdf_url":"https://downloads.hindawi.com/journals/cin/2022/4276253.pdf","source":{"id":"https://openalex.org/S72372694","display_name":"Computational Intelligence and Neuroscience","issn_l":"1687-5265","issn":["1687-5265","1687-5273"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["anvur-scientific","cwts-core","poland-20","vabb-shw"],"host_organization":"https://openalex.org/P4310319869","host_organization_name":"Hindawi Publishing Corporation","host_organization_lineage":["https://openalex.org/P4310319869","https://openalex.org/P4310320595"],"host_organization_lineage_names":["Hindawi Publishing Corporation","Wiley"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Computational Intelligence and Neuroscience","raw_type":"journal-article"},{"id":"pmid:35978904","doi":null,"is_oa":false,"landing_page_url":"https://pubmed.ncbi.nlm.nih.gov/35978904","pdf_url":null,"source":{"id":"https://openalex.org/S4306525036","display_name":"PubMed","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1299303238","host_organization_name":"National Institutes of Health","host_organization_lineage":["https://openalex.org/I1299303238"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Computational intelligence and neuroscience","raw_type":"Journal Article"},{"id":"pmh:oai:pubmedcentral.nih.gov:9377862","doi":null,"is_oa":true,"landing_page_url":"https://pmc.ncbi.nlm.nih.gov/articles/PMC9377862/","pdf_url":null,"source":{"id":"https://openalex.org/S2764455111","display_name":"PubMed Central","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1299303238","host_organization_name":"National Institutes of Health","host_organization_lineage":["https://openalex.org/I1299303238"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Comput Intell Neurosci","raw_type":"Text"},{"id":"pmh:oai:doaj.org/article:9657f00c01a449ba9690ba1e1dae0a71","doi":null,"is_oa":false,"landing_page_url":"https://doaj.org/article/9657f00c01a449ba9690ba1e1dae0a71","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Computational Intelligence and Neuroscience, Vol 2022 (2022)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.1155/2022/4276253","doi":"https://doi.org/10.1155/2022/4276253","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2022/4276253","pdf_url":"https://downloads.hindawi.com/journals/cin/2022/4276253.pdf","source":{"id":"https://openalex.org/S72372694","display_name":"Computational Intelligence and Neuroscience","issn_l":"1687-5265","issn":["1687-5265","1687-5273"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["anvur-scientific","cwts-core","poland-20","vabb-shw"],"host_organization":"https://openalex.org/P4310319869","host_organization_name":"Hindawi Publishing Corporation","host_organization_lineage":["https://openalex.org/P4310319869","https://openalex.org/P4310320595"],"host_organization_lineage_names":["Hindawi Publishing Corporation","Wiley"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Computational Intelligence and Neuroscience","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4290697832.pdf","grobid_xml":"https://content.openalex.org/works/W4290697832.grobid-xml"},"referenced_works_count":17,"referenced_works":["https://openalex.org/W1945712029","https://openalex.org/W1997433831","https://openalex.org/W2068928057","https://openalex.org/W2210809762","https://openalex.org/W2264829734","https://openalex.org/W2281134763","https://openalex.org/W2322992634","https://openalex.org/W2329476579","https://openalex.org/W2345624355","https://openalex.org/W2582889688","https://openalex.org/W2584483805","https://openalex.org/W2747436277","https://openalex.org/W2769552991","https://openalex.org/W2794821520","https://openalex.org/W2910131095","https://openalex.org/W2947901746","https://openalex.org/W3125859517"],"related_works":["https://openalex.org/W4377941776","https://openalex.org/W2941088769","https://openalex.org/W1663837557","https://openalex.org/W2939314174","https://openalex.org/W4412640451","https://openalex.org/W4231721603","https://openalex.org/W4391770528","https://openalex.org/W4293053796","https://openalex.org/W2921161724","https://openalex.org/W4387023750"],"abstract_inverted_index":{"With":[0,28,143],"the":[1,8,29,37,49,52,68,72,81,87,97,110,115,122,132,144,182,189,196,208,213,219,229,233,258,274,285,293,301],"rapid":[2],"development":[3,302],"of":[4,31,51,67,71,84,90,114,126,146,157,167,188,212,236,246,276,287,295,303],"Internet":[5,11,26],"loans":[6],"and":[7,34,48,79,112,124,130,149,154,192,200,218,250,290,299],"demand":[9],"for":[10,137],"loans,":[12],"Internet-based":[13],"loan":[14,99,184,260],"default":[15,82,100,171,185,261,278],"prediction":[16,101,262],"is":[17,23,216,223,226,238,241],"particularly":[18],"important.":[19],"P2P":[20,116,288,296,305],"online":[21,73,117,138,169,259],"lending":[22,74,118,139,163,170,297],"based":[24,103,140,264],"on":[25,104,141,265],"technology.":[27],"popularization":[30],"personal":[32],"PCs":[33],"mobile":[35],"terminals,":[36],"borrower's":[38,53],"financing":[39],"cost":[40],"has":[41,56,267],"been":[42,58],"reduced":[43],"to":[44,60,307],"a":[45,61,165],"large":[46],"extent,":[47],"efficiency":[50],"capital":[54],"utilization":[55],"also":[57],"improved":[59],"considerable":[62],"level.":[63],"Making":[64],"full":[65],"use":[66],"existing":[69],"data":[70,147,160],"platform,":[75,119],"integrating":[76],"third-party":[77],"data,":[78],"predicting":[80],"behavior":[83],"users":[85],"are":[86,175],"major":[88],"directions":[89],"future":[91],"development.":[92],"This":[93,106,179],"paper":[94,107,180],"mainly":[95],"studies":[96],"network":[98,183],"model":[102,187,191,215,263],"DPNN.":[105],"first":[108],"analyzes":[109],"problems":[111],"risks":[113],"then":[120],"introduces":[121],"principle":[123],"characteristics":[125],"BPNN":[127,190,214,237],"in":[128,271,280],"detail,":[129],"determines":[131],"credit":[133,158],"risk":[134,172,279,286],"rating":[135],"process":[136],"BPNN.":[142,178],"help":[145,283],"analysis":[148],"processing":[150],"software,":[151],"after":[152],"cleaning":[153],"variable":[155],"selection":[156],"customer":[159,277],"provided":[161],"by":[162],"clubs,":[164],"set":[166],"corresponding":[168],"assessment":[173,186],"models":[174],"established":[176],"through":[177],"simulates":[181],"compares":[193],"it":[194],"with":[195],"support":[197,247],"vector":[198,248],"machine":[199,249],"regression":[201,251],"model.":[202,252],"The":[203,253],"experimental":[204],"results":[205,255],"show":[206,256],"that":[207,245,257],"highest":[209,220],"accuracy":[210],"rate":[211,222],"98.01%":[217],"recall":[221],"99.82%,":[224],"which":[225,240],"better":[227],"than":[228,244],"other":[230],"two":[231],"models;":[232],"AUC":[234],"value":[235,270],"0.79,":[239],"significantly":[242],"higher":[243],"above":[254],"DPNN":[266],"high":[268],"application":[269],"practice.":[272],"Predicting":[273],"probability":[275],"advance":[281],"will":[282],"reduce":[284],"companies":[289],"lenders,":[291],"improve":[292],"competitiveness":[294],"institutions,":[298],"promote":[300],"domestic":[304],"platforms":[306],"be":[308],"more":[309],"stable.":[310]},"counts_by_year":[{"year":2026,"cited_by_count":2},{"year":2025,"cited_by_count":4},{"year":2024,"cited_by_count":2},{"year":2023,"cited_by_count":7}],"updated_date":"2026-11-10T11:39:43.021295","created_date":"2022-08-09T00:00:00"}
