{"id":"https://openalex.org/W4417068794","doi":"https://doi.org/10.1002/cpe.70498","title":"Credit Risk Identification Algorithm Based on <scp>BaggingFCBF</scp> \u2010 <scp>TCN</scp>","display_name":"Credit Risk Identification Algorithm Based on <scp>BaggingFCBF</scp> \u2010 <scp>TCN</scp>","publication_year":2025,"publication_date":"2025-12-05","ids":{"openalex":"https://openalex.org/W4417068794","doi":"https://doi.org/10.1002/cpe.70498"},"language":"en","primary_location":{"id":"doi:10.1002/cpe.70498","is_oa":false,"landing_page_url":"https://doi.org/10.1002/cpe.70498","pdf_url":null,"source":{"id":"https://openalex.org/S11065456","display_name":"Concurrency and Computation Practice and Experience","issn_l":"1532-0626","issn":["1532-0626","1532-0634"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Concurrency and Computation: Practice and Experience","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5022234133","display_name":"Tinggui Chen","orcid":"https://orcid.org/0000-0001-6061-2517"},"institutions":[{"id":"https://openalex.org/I4403386555","display_name":"Zhejiang Gongshang University Hangzhou College of Commerce","ror":"https://ror.org/04bspkv73","country_code":null,"type":"education","lineage":["https://openalex.org/I4403386555"]},{"id":"https://openalex.org/I75059550","display_name":"Zhejiang Gongshang University","ror":"https://ror.org/0569mkk41","country_code":"CN","type":"education","lineage":["https://openalex.org/I75059550"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Tinggui Chen","raw_affiliation_strings":["School of Artificial Intelligence and Electronic Commerce Zhejiang Gongshang University Hangzhou College of Commerce  Hangzhou China","School of Statistics and Data Science Zhejiang Gongshang University  Hangzhou China","School of Artificial Intelligence and Electronic Commerce, Zhejiang Gongshang University Hangzhou College of Commerce, Hangzhou, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Artificial Intelligence and Electronic Commerce Zhejiang Gongshang University Hangzhou College of Commerce  Hangzhou China","institution_ids":["https://openalex.org/I4403386555","https://openalex.org/I75059550"]},{"raw_affiliation_string":"School of Statistics and Data Science Zhejiang Gongshang University  Hangzhou China","institution_ids":["https://openalex.org/I75059550"]},{"raw_affiliation_string":"School of Artificial Intelligence and Electronic Commerce, Zhejiang Gongshang University Hangzhou College of Commerce, Hangzhou, China","institution_ids":["https://openalex.org/I4403386555","https://openalex.org/I75059550"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5029290751","display_name":"Hanjie Gu","orcid":"https://orcid.org/0000-0002-1340-398X"},"institutions":[{"id":"https://openalex.org/I75059550","display_name":"Zhejiang Gongshang University","ror":"https://ror.org/0569mkk41","country_code":"CN","type":"education","lineage":["https://openalex.org/I75059550"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Hailian Gu","raw_affiliation_strings":["School of Statistics and Data Science Zhejiang Gongshang University  Hangzhou China","School of Statistics and Data Science, Zhejiang Gongshang University, Hangzhou, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Statistics and Data Science Zhejiang Gongshang University  Hangzhou China","institution_ids":["https://openalex.org/I75059550"]},{"raw_affiliation_string":"School of Statistics and Data Science, Zhejiang Gongshang University, Hangzhou, China","institution_ids":["https://openalex.org/I75059550"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5088140964","display_name":"Yi Chen","orcid":"https://orcid.org/0000-0002-7027-6542"},"institutions":[{"id":"https://openalex.org/I75059550","display_name":"Zhejiang Gongshang University","ror":"https://ror.org/0569mkk41","country_code":"CN","type":"education","lineage":["https://openalex.org/I75059550"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Yi Chen","raw_affiliation_strings":["School of Statistics and Data Science Zhejiang Gongshang University  Hangzhou China","School of Statistics and Data Science, Zhejiang Gongshang University, Hangzhou, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Statistics and Data Science Zhejiang Gongshang University  Hangzhou China","institution_ids":["https://openalex.org/I75059550"]},{"raw_affiliation_string":"School of Statistics and Data Science, Zhejiang Gongshang University, Hangzhou, China","institution_ids":["https://openalex.org/I75059550"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5111992080","display_name":"L. Ni","orcid":"https://orcid.org/0009-0001-1182-1707"},"institutions":[{"id":"https://openalex.org/I4403386555","display_name":"Zhejiang Gongshang University Hangzhou College of Commerce","ror":"https://ror.org/04bspkv73","country_code":null,"type":"education","lineage":["https://openalex.org/I4403386555"]},{"id":"https://openalex.org/I75059550","display_name":"Zhejiang Gongshang University","ror":"https://ror.org/0569mkk41","country_code":"CN","type":"education","lineage":["https://openalex.org/I75059550"]}],"countries":["CN"],"is_corresponding":true,"raw_author_name":"Limin Ni","raw_affiliation_strings":["School of Artificial Intelligence and Electronic Commerce Zhejiang Gongshang University Hangzhou College of Commerce  Hangzhou China","School of Artificial Intelligence and Electronic Commerce, Zhejiang Gongshang University Hangzhou College of Commerce, Hangzhou, China"],"raw_orcid":"https://orcid.org/0009-0001-1182-1707","affiliations":[{"raw_affiliation_string":"School of Artificial Intelligence and Electronic Commerce Zhejiang Gongshang University Hangzhou College of Commerce  Hangzhou China","institution_ids":["https://openalex.org/I4403386555","https://openalex.org/I75059550"]},{"raw_affiliation_string":"School of Artificial Intelligence and Electronic Commerce, Zhejiang Gongshang University Hangzhou College of Commerce, Hangzhou, China","institution_ids":["https://openalex.org/I4403386555","https://openalex.org/I75059550"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5111992080"],"corresponding_institution_ids":["https://openalex.org/I4403386555","https://openalex.org/I75059550"],"apc_list":{"value":4740,"currency":"USD","value_usd":4740},"apc_paid":null,"fwci":11.484,"has_fulltext":false,"cited_by_count":5,"citation_normalized_percentile":{"value":0.98251097,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":91,"max":99},"biblio":{"volume":"38","issue":"1","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9624000191688538,"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":0.9624000191688538,"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":0.003800000064074993,"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/T11496","display_name":"Credit Risk and Financial Regulations","score":0.0032999999821186066,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/credit-risk","display_name":"Credit risk","score":0.70660001039505},{"id":"https://openalex.org/keywords/default","display_name":"Default","score":0.6223999857902527},{"id":"https://openalex.org/keywords/identification","display_name":"Identification (biology)","score":0.5849000215530396},{"id":"https://openalex.org/keywords/feature-selection","display_name":"Feature selection","score":0.5823000073432922},{"id":"https://openalex.org/keywords/classifier","display_name":"Classifier (UML)","score":0.49230000376701355},{"id":"https://openalex.org/keywords/filter","display_name":"Filter (signal processing)","score":0.4713999927043915},{"id":"https://openalex.org/keywords/selection-algorithm","display_name":"Selection algorithm","score":0.35600000619888306},{"id":"https://openalex.org/keywords/statistical-classification","display_name":"Statistical classification","score":0.353300005197525}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.7955999970436096},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.70660001039505},{"id":"https://openalex.org/C69637215","wikidata":"https://www.wikidata.org/wiki/Q702362","display_name":"Default","level":2,"score":0.6223999857902527},{"id":"https://openalex.org/C116834253","wikidata":"https://www.wikidata.org/wiki/Q2039217","display_name":"Identification (biology)","level":2,"score":0.5849000215530396},{"id":"https://openalex.org/C148483581","wikidata":"https://www.wikidata.org/wiki/Q446488","display_name":"Feature selection","level":2,"score":0.5823000073432922},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.5307999849319458},{"id":"https://openalex.org/C95623464","wikidata":"https://www.wikidata.org/wiki/Q1096149","display_name":"Classifier (UML)","level":2,"score":0.49230000376701355},{"id":"https://openalex.org/C106131492","wikidata":"https://www.wikidata.org/wiki/Q3072260","display_name":"Filter (signal processing)","level":2,"score":0.4713999927043915},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.4551999866962433},{"id":"https://openalex.org/C11413529","wikidata":"https://www.wikidata.org/wiki/Q8366","display_name":"Algorithm","level":1,"score":0.4401000142097473},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.38370001316070557},{"id":"https://openalex.org/C2775973920","wikidata":"https://www.wikidata.org/wiki/Q3252726","display_name":"Selection algorithm","level":3,"score":0.35600000619888306},{"id":"https://openalex.org/C110083411","wikidata":"https://www.wikidata.org/wiki/Q1744628","display_name":"Statistical classification","level":2,"score":0.353300005197525},{"id":"https://openalex.org/C124101348","wikidata":"https://www.wikidata.org/wiki/Q172491","display_name":"Data mining","level":1,"score":0.3382999897003174},{"id":"https://openalex.org/C30589699","wikidata":"https://www.wikidata.org/wiki/Q624028","display_name":"Credit default swap","level":3,"score":0.32820001244544983},{"id":"https://openalex.org/C81917197","wikidata":"https://www.wikidata.org/wiki/Q628760","display_name":"Selection (genetic algorithm)","level":2,"score":0.328000009059906},{"id":"https://openalex.org/C2983355114","wikidata":"https://www.wikidata.org/wiki/Q161380","display_name":"Credit card","level":3,"score":0.32339999079704285},{"id":"https://openalex.org/C2776401178","wikidata":"https://www.wikidata.org/wiki/Q12050496","display_name":"Feature (linguistics)","level":2,"score":0.303600013256073},{"id":"https://openalex.org/C32896092","wikidata":"https://www.wikidata.org/wiki/Q189447","display_name":"Risk management","level":2,"score":0.28859999775886536},{"id":"https://openalex.org/C205208723","wikidata":"https://www.wikidata.org/wiki/Q372765","display_name":"Credit rating","level":2,"score":0.27720001339912415},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.2712000012397766},{"id":"https://openalex.org/C81363708","wikidata":"https://www.wikidata.org/wiki/Q17084460","display_name":"Convolutional neural network","level":2,"score":0.26350000500679016}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1002/cpe.70498","is_oa":false,"landing_page_url":"https://doi.org/10.1002/cpe.70498","pdf_url":null,"source":{"id":"https://openalex.org/S11065456","display_name":"Concurrency and Computation Practice and Experience","issn_l":"1532-0626","issn":["1532-0626","1532-0634"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Concurrency and Computation: Practice and Experience","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":28,"referenced_works":["https://openalex.org/W1971141266","https://openalex.org/W1994085451","https://openalex.org/W1994345439","https://openalex.org/W2053529851","https://openalex.org/W2131391419","https://openalex.org/W2273893358","https://openalex.org/W2560858617","https://openalex.org/W2752162157","https://openalex.org/W2760237987","https://openalex.org/W2790611518","https://openalex.org/W2885442465","https://openalex.org/W2896399930","https://openalex.org/W2904485001","https://openalex.org/W2910351322","https://openalex.org/W2977704115","https://openalex.org/W3009070686","https://openalex.org/W3010996902","https://openalex.org/W3011590044","https://openalex.org/W3042455157","https://openalex.org/W3080928333","https://openalex.org/W3095606640","https://openalex.org/W3173725123","https://openalex.org/W3193930202","https://openalex.org/W4224217785","https://openalex.org/W4294647336","https://openalex.org/W4308454262","https://openalex.org/W4320033649","https://openalex.org/W4416174830"],"related_works":[],"abstract_inverted_index":{"ABSTRACT":[0],"The":[1,149,155,173],"identification":[2,64,170,186],"of":[3,14,28,35,129,175],"personal":[4,146,183],"credit":[5,20,30,36,62,130,147,184],"risk":[6,16,31,38,63,131,185],"constitutes":[7],"a":[8,61],"fundamental":[9],"concern":[10],"within":[11],"the":[12,19,25,33,52,81,87,94,104,113,127,135,160,176,182,190,200,204],"realm":[13],"financial":[15,45],"management.":[17],"As":[18],"industry":[21],"experiences":[22],"significant":[23],"growth,":[24],"precise":[26],"evaluation":[27],"borrowers'":[29],"and":[32,47,92,141,203],"mitigation":[34],"default":[37],"have":[39],"emerged":[40],"as":[41],"critical":[42],"priorities":[43],"for":[44,126],"institutions":[46],"researchers":[48],"worldwide.":[49],"To":[50],"enhance":[51],"ability":[53,136,162],"to":[54,90,102,137,163],"identify":[55,91,164],"defaulting":[56,98,165],"customers,":[57,99,166],"this":[58],"paper":[59],"proposes":[60],"algorithm":[65,78,157,193],"based":[66],"on":[67],"Bagging":[68,88],"Fast":[69],"Correlation\u2010Based":[70],"Filter":[71],"with":[72,97],"Temporal":[73,121],"Convolutional":[74,122],"Network":[75,123],"(BaggingFCBF\u2010TCN).":[76],"This":[77],"initially":[79],"incorporates":[80],"feature":[82,107],"selection":[83,108],"approach":[84],"inherent":[85],"in":[86,106,145,198],"strategy":[89],"filter":[93],"characteristics":[95],"associated":[96],"which":[100],"serves":[101],"mitigate":[103],"bias":[105],"outcomes":[109],"that":[110,181],"may":[111],"favor":[112],"majority":[114],"class.":[115],"Subsequently,":[116],"it":[117],"employs":[118],"an":[119],"enhanced":[120],"(TCN)":[124],"classifier":[125],"purpose":[128],"assessment,":[132],"thereby":[133],"improving":[134],"discern":[138],"both":[139,199],"long\u2010term":[140],"short\u2010term":[142],"dependencies":[143],"present":[144],"data.":[148],"test":[150],"results":[151,174],"show":[152],"that:":[153],"(1)":[154],"BaggingFCBF\u2010TCN":[156,191],"significantly":[158],"enhances":[159],"model's":[161],"achieving":[167],"optimal":[168],"overall":[169],"performance.":[171],"(2)":[172],"combination":[177,192,196],"effect":[178],"analysis":[179],"indicate":[180],"model":[187],"constructed":[188],"using":[189],"outperforms":[194],"other":[195],"algorithms":[197],"original":[201],"dataset":[202,205],"after":[206],"class":[207],"balancing":[208],"treatment.":[209]},"counts_by_year":[{"year":2026,"cited_by_count":4},{"year":2025,"cited_by_count":1}],"updated_date":"2026-07-22T07:51:19.307946","created_date":"2025-12-06T00:00:00"}
