{"id":"https://openalex.org/W4402742292","doi":"https://doi.org/10.1109/access.2024.3466192","title":"Design of a Personal Credit Risk Prediction Model and Legal Prevention of Financial Risks","display_name":"Design of a Personal Credit Risk Prediction Model and Legal Prevention of Financial Risks","publication_year":2024,"publication_date":"2024-01-01","ids":{"openalex":"https://openalex.org/W4402742292","doi":"https://doi.org/10.1109/access.2024.3466192"},"language":"en","primary_location":{"id":"doi:10.1109/access.2024.3466192","doi":"https://doi.org/10.1109/access.2024.3466192","is_oa":true,"landing_page_url":"https://doi.org/10.1109/access.2024.3466192","pdf_url":null,"source":{"id":"https://openalex.org/S2485537415","display_name":"IEEE Access","issn_l":"2169-3536","issn":["2169-3536"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["anvur-scientific","cwts-core","doaj","jufo-1","ki-jl-1","norway-1","oarl","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310319808","host_organization_name":"Institute of Electrical and Electronics Engineers","host_organization_lineage":["https://openalex.org/P4310319808"],"host_organization_lineage_names":["Institute of Electrical and Electronics Engineers"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IEEE Access","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://doi.org/10.1109/access.2024.3466192","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5008795623","display_name":"Yanyu Zhuang","orcid":"https://orcid.org/0000-0001-8431-2287","observed_orcids":["https://orcid.org/0000-0001-8431-2287"]},"institutions":[{"id":"https://openalex.org/I183067930","display_name":"Shanghai Jiao Tong University","ror":"https://ror.org/0220qvk04","country_code":"CN","type":"education","lineage":["https://openalex.org/I183067930"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Yanyu Zhuang","raw_affiliation_strings":["KoGuan School of Law, Shanghai Jiao Tong University, Shanghai, China"],"raw_orcid":"https://orcid.org/0000-0001-8431-2287","affiliations":[{"raw_affiliation_string":"KoGuan School of Law, Shanghai Jiao Tong University, Shanghai, China","institution_ids":["https://openalex.org/I183067930"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5101284383","display_name":"Hua Wei","orcid":"https://orcid.org/0009-0000-9825-0267","observed_orcids":["https://orcid.org/0009-0000-9825-0267"]},"institutions":[{"id":"https://openalex.org/I183067930","display_name":"Shanghai Jiao Tong University","ror":"https://ror.org/0220qvk04","country_code":"CN","type":"education","lineage":["https://openalex.org/I183067930"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Hua Wei","raw_affiliation_strings":["Shanghai Development Strategy Research Institute, Antai College of Economics and Management, Shanghai Jiao Tong University, Shanghai, China","Antai College of Economics and Management, Shanghai Development Strategy Research Institute, Shanghai Jiao Tong University, Shanghai, China"],"raw_orcid":"https://orcid.org/0009-0000-9825-0267","affiliations":[{"raw_affiliation_string":"Shanghai Development Strategy Research Institute, Antai College of Economics and Management, Shanghai Jiao Tong University, Shanghai, China","institution_ids":["https://openalex.org/I183067930"]},{"raw_affiliation_string":"Antai College of Economics and Management, Shanghai Development Strategy Research Institute, Shanghai Jiao Tong University, Shanghai, China","institution_ids":["https://openalex.org/I183067930"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I183067930"],"apc_list":{"value":1995,"currency":"USD","value_usd":1995},"apc_paid":{"value":1995,"currency":"USD","value_usd":1995},"fwci":16.8375,"has_fulltext":false,"cited_by_count":17,"citation_normalized_percentile":{"value":0.9897805,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":89,"max":100},"biblio":{"volume":"12","issue":null,"first_page":"146244","last_page":"146255"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9359999895095825,"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":0.9359999895095825,"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/T11652","display_name":"Imbalanced Data Classification Techniques","score":0.05939999967813492,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T12384","display_name":"Customer churn and segmentation","score":0.0008999999845400453,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/non-performing-loans","display_name":"non-performing loans","score":0.8759999871253967},{"id":"https://openalex.org/keywords/credit-default","display_name":"credit default","score":0.5529999732971191},{"id":"https://openalex.org/keywords/class-imbalance","display_name":"class imbalance","score":0.6819999814033508},{"id":"https://openalex.org/keywords/generative-adversarial-networks","display_name":"generative adversarial networks","score":0.9210000038146973},{"id":"https://openalex.org/keywords/oversampling","display_name":"oversampling","score":0.9319999814033508},{"id":"https://openalex.org/keywords/lightgbm","display_name":"LightGBM","score":0.9449999928474426},{"id":"https://openalex.org/keywords/ensemble-learning","display_name":"ensemble learning","score":0.9330000281333923},{"id":"https://openalex.org/keywords/consumer-finance","display_name":"consumer finance","score":0.6399999856948853},{"id":"https://openalex.org/keywords/feature-importance","display_name":"feature importance","score":0.699999988079071},{"id":"https://openalex.org/keywords/consumer-behavior-data","display_name":"consumer behavior data","score":0.6850000023841858},{"id":"https://openalex.org/keywords/financial-compliance","display_name":"financial compliance","score":0.6790000200271606}],"concepts":[{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.5717366933822632},{"id":"https://openalex.org/C76073288","wikidata":"https://www.wikidata.org/wiki/Q1337875","display_name":"Financial risk","level":2,"score":0.5198546051979065},{"id":"https://openalex.org/C2982805371","wikidata":"https://www.wikidata.org/wiki/Q104493","display_name":"Risk prevention","level":2,"score":0.5098323225975037},{"id":"https://openalex.org/C32896092","wikidata":"https://www.wikidata.org/wiki/Q189447","display_name":"Risk management","level":2,"score":0.48411568999290466},{"id":"https://openalex.org/C112930515","wikidata":"https://www.wikidata.org/wiki/Q4389547","display_name":"Risk analysis (engineering)","level":1,"score":0.46021568775177},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.45101526379585266},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.39678606390953064},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.39574384689331055},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3571562170982361}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1109/access.2024.3466192","doi":"https://doi.org/10.1109/access.2024.3466192","is_oa":true,"landing_page_url":"https://doi.org/10.1109/access.2024.3466192","pdf_url":null,"source":{"id":"https://openalex.org/S2485537415","display_name":"IEEE Access","issn_l":"2169-3536","issn":["2169-3536"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["anvur-scientific","cwts-core","doaj","jufo-1","ki-jl-1","norway-1","oarl","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310319808","host_organization_name":"Institute of Electrical and Electronics Engineers","host_organization_lineage":["https://openalex.org/P4310319808"],"host_organization_lineage_names":["Institute of Electrical and Electronics Engineers"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IEEE Access","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:9a4c69dfed4c4da18149279c27602256","doi":null,"is_oa":true,"landing_page_url":"https://doaj.org/article/9a4c69dfed4c4da18149279c27602256","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":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"IEEE Access, Vol 12, Pp 146244-146255 (2024)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.1109/access.2024.3466192","doi":"https://doi.org/10.1109/access.2024.3466192","is_oa":true,"landing_page_url":"https://doi.org/10.1109/access.2024.3466192","pdf_url":null,"source":{"id":"https://openalex.org/S2485537415","display_name":"IEEE Access","issn_l":"2169-3536","issn":["2169-3536"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["anvur-scientific","cwts-core","doaj","jufo-1","ki-jl-1","norway-1","oarl","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310319808","host_organization_name":"Institute of Electrical and Electronics Engineers","host_organization_lineage":["https://openalex.org/P4310319808"],"host_organization_lineage_names":["Institute of Electrical and Electronics Engineers"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IEEE Access","raw_type":"journal-article"},"sustainable_development_goals":[],"sustainable_development_goals_aurora":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":32,"referenced_works":["https://openalex.org/W3023814359","https://openalex.org/W3081119821","https://openalex.org/W3122552943","https://openalex.org/W3212776903","https://openalex.org/W4205226285","https://openalex.org/W4205584004","https://openalex.org/W4205902958","https://openalex.org/W4205938712","https://openalex.org/W4210997308","https://openalex.org/W4211229275","https://openalex.org/W4212954694","https://openalex.org/W4226033228","https://openalex.org/W4281382034","https://openalex.org/W4281755689","https://openalex.org/W4285588387","https://openalex.org/W4286208077","https://openalex.org/W4295845686","https://openalex.org/W4297887653","https://openalex.org/W4298139897","https://openalex.org/W4300594418","https://openalex.org/W4303980712","https://openalex.org/W4304757181","https://openalex.org/W4307922287","https://openalex.org/W4309074705","https://openalex.org/W4311853290","https://openalex.org/W4312853822","https://openalex.org/W4323315391","https://openalex.org/W4327613089","https://openalex.org/W4361004380","https://openalex.org/W4367598753","https://openalex.org/W4396522496","https://openalex.org/W4396525257"],"related_works":["https://openalex.org/W7115178738","https://openalex.org/W2929522397","https://openalex.org/W4413988180","https://openalex.org/W3189856138","https://openalex.org/W3190218034","https://openalex.org/W7116894165","https://openalex.org/W4395479794","https://openalex.org/W4401946553","https://openalex.org/W3096019139","https://openalex.org/W4404527743"],"abstract_inverted_index":{"With":[0],"the":[1,11,29,69,85,99,121,130,146,157,180,218,246,250,292,295],"escalating":[2],"demand":[3],"for":[4,31,66,133,184],"personal":[5,35,109],"credit,":[6],"banking":[7],"financial":[8,76,254,268,296],"institutions":[9,269],"face":[10],"imperative":[12],"to":[13,88,154,178,266],"expand":[14],"their":[15],"user":[16],"base":[17],"and":[18,33,46,95,113,175,223,229,272,282,290],"mitigate":[19],"losses":[20],"caused":[21],"by":[22,105,245],"non-performing":[23],"loans":[24],"(NPLs).":[25],"This":[26,263],"study":[27,138,264],"addresses":[28],"necessity":[30],"accurate":[32],"efficient":[34,271],"credit":[36,43,50,110,134,166,185,237,274],"risk":[37,51,135,186,196,238,275],"assessment":[38,276],"systems,":[39],"focusing":[40],"on":[41,150,207],"rectifying":[42],"data":[44,56,111,173],"imbalances":[45],"developing":[47],"a":[48,90,106],"high-performing":[49],"prediction":[52,239],"model.":[53],"To":[54],"tackle":[55],"imbalance,":[57],"deep":[58],"learning\u2019s":[59],"Generative":[60],"Adversarial":[61],"Network":[62],"(GAN)":[63],"is":[64,127],"employed":[65],"oversampling,":[67],"learning":[68,119],"distribution":[70],"of":[71,93,101,169,253,294],"default":[72,79,94],"samples":[73,80],"within":[74],"high-risk":[75],"groups.":[77],"\u201cNew\u201d":[78],"are":[81],"then":[82],"integrated":[83],"into":[84],"original":[86],"dataset":[87],"achieve":[89],"balanced":[91],"representation":[92],"normal":[96],"samples.":[97],"In":[98],"era":[100],"big":[102],"data,":[103,167],"marked":[104],"surge":[107],"in":[108,215],"dimensions":[112],"sample":[114],"numbers,":[115],"an":[116,200,235],"advanced":[117],"ensemble":[118],"model,":[120],"Light":[122],"Gradient":[123],"Boosting":[124],"Machine":[125],"(LightGBM),":[126],"combined":[128],"with":[129,156,270,280],"GAN":[131,158,193],"model":[132,213,248],"prediction.":[136,187],"The":[137,211],"utilizes":[139],"six":[140],"different":[141],"imbalance":[142],"ratio":[143],"datasets":[144],"from":[145],"Knowledge":[147],"Extraction":[148],"based":[149],"Evolutionary":[151],"Learning":[152],"platform":[153],"experiment":[155],"model\u2019s":[159,182],"classification":[160,198],"effectiveness.":[161],"Additionally,":[162],"consumer":[163,260],"finance":[164],"company":[165],"consisting":[168],"559":[170],"features,":[171],"undergoes":[172],"preprocessing":[174],"feature":[176],"extraction":[177],"validate":[179],"LightGBM-GAN":[181,212],"effectiveness":[183],"Experimental":[188],"results":[189],"reveal":[190],"that:":[191],"(1)":[192],"significantly":[194],"improves":[195],"information":[197],"(achieving":[199],"86.7%":[201],"accuracy),":[202],"outperforming":[203],"traditional":[204],"oversampling":[205],"methods":[206],"multiple":[208],"datasets;":[209],"(2)":[210],"excels":[214],"Area":[216],"Under":[217],"Receiver":[219],"Operating":[220],"Characteristic":[221],"Curve":[222],"Kolmogorov-Smirnov":[224],"statistic":[225],"values":[226],"(averaging":[227],"0.86":[228],"0.87,":[230],"respectively),":[231],"establishing":[232],"itself":[233],"as":[234,259],"effective":[236],"model;":[240],"(3)":[241],"Feature":[242],"importance":[243],"identified":[244],"LightGBM":[247],"underscores":[249],"predictive":[251],"potential":[252],"weakly":[255],"correlated":[256],"variables,":[257],"such":[258],"behavior":[261],"data.":[262],"strives":[265],"equip":[267],"precise":[273],"tools,":[277],"ensuring":[278],"compliance":[279],"laws":[281],"regulations,":[283],"averting":[284],"legal":[285],"risks,":[286,289],"reducing":[287],"NPL":[288],"fortifying":[291],"stability":[293],"system.":[297]},"counts_by_year":[{"year":2026,"cited_by_count":10},{"year":2025,"cited_by_count":6},{"year":2024,"cited_by_count":1}],"updated_date":"2026-10-30T12:39:25.321706","created_date":"2024-09-24T00:00:00"}