{"id":"https://openalex.org/W3004208167","doi":"https://doi.org/10.1109/access.2020.2970482","title":"A Novel Prediction Method Based on Improved Binary Glowworm Swarm Optimization and Multi-Fractal Dimension for P2P Lending Investment Risk","display_name":"A Novel Prediction Method Based on Improved Binary Glowworm Swarm Optimization and Multi-Fractal Dimension for P2P Lending Investment Risk","publication_year":2020,"publication_date":"2020-01-01","ids":{"openalex":"https://openalex.org/W3004208167","doi":"https://doi.org/10.1109/access.2020.2970482","mag":"3004208167"},"language":"en","primary_location":{"id":"doi:10.1109/access.2020.2970482","is_oa":true,"landing_page_url":"https://doi.org/10.1109/access.2020.2970482","pdf_url":"https://ieeexplore.ieee.org/ielx7/6287639/8948470/08976105.pdf","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,"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","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IEEE Access","raw_type":"journal-article"},"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://ieeexplore.ieee.org/ielx7/6287639/8948470/08976105.pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5073814632","display_name":"Pingfan Xia","orcid":"https://orcid.org/0000-0002-6616-5364"},"institutions":[{"id":"https://openalex.org/I1327237609","display_name":"Ministry of Education of the People's Republic of China","ror":"https://ror.org/01mv9t934","country_code":"CN","type":"government","lineage":["https://openalex.org/I1327237609","https://openalex.org/I4210127390"]},{"id":"https://openalex.org/I16365422","display_name":"Hefei University of Technology","ror":"https://ror.org/02czkny70","country_code":"CN","type":"education","lineage":["https://openalex.org/I16365422"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Pingfan Xia","raw_affiliation_strings":["Key Laboratory of Process Optimization and Intelligent Decision-making, Ministry of Education, Hefei, China","School of Management, Hefei University of Technology, Hefei, China"],"raw_orcid":"https://orcid.org/0000-0002-6616-5364","affiliations":[{"raw_affiliation_string":"Key Laboratory of Process Optimization and Intelligent Decision-making, Ministry of Education, Hefei, China","institution_ids":["https://openalex.org/I1327237609"]},{"raw_affiliation_string":"School of Management, Hefei University of Technology, Hefei, China","institution_ids":["https://openalex.org/I16365422"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5031531881","display_name":"Zhiwei Ni","orcid":"https://orcid.org/0000-0002-3378-9779"},"institutions":[{"id":"https://openalex.org/I1327237609","display_name":"Ministry of Education of the People's Republic of China","ror":"https://ror.org/01mv9t934","country_code":"CN","type":"government","lineage":["https://openalex.org/I1327237609","https://openalex.org/I4210127390"]},{"id":"https://openalex.org/I16365422","display_name":"Hefei University of Technology","ror":"https://ror.org/02czkny70","country_code":"CN","type":"education","lineage":["https://openalex.org/I16365422"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Zhiwei Ni","raw_affiliation_strings":["Key Laboratory of Process Optimization and Intelligent Decision-making, Ministry of Education, Hefei, China","School of Management, Hefei University of Technology, Hefei, China"],"raw_orcid":"https://orcid.org/0000-0002-3378-9779","affiliations":[{"raw_affiliation_string":"Key Laboratory of Process Optimization and Intelligent Decision-making, Ministry of Education, Hefei, China","institution_ids":["https://openalex.org/I1327237609"]},{"raw_affiliation_string":"School of Management, Hefei University of Technology, Hefei, China","institution_ids":["https://openalex.org/I16365422"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5088204627","display_name":"Xuhui Zhu","orcid":"https://orcid.org/0000-0001-6477-5735"},"institutions":[{"id":"https://openalex.org/I1327237609","display_name":"Ministry of Education of the People's Republic of China","ror":"https://ror.org/01mv9t934","country_code":"CN","type":"government","lineage":["https://openalex.org/I1327237609","https://openalex.org/I4210127390"]},{"id":"https://openalex.org/I16365422","display_name":"Hefei University of Technology","ror":"https://ror.org/02czkny70","country_code":"CN","type":"education","lineage":["https://openalex.org/I16365422"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Xuhui Zhu","raw_affiliation_strings":["Key Laboratory of Process Optimization and Intelligent Decision-making, Ministry of Education, Hefei, China","School of Management, Hefei University of Technology, Hefei, China"],"raw_orcid":"https://orcid.org/0000-0001-6477-5735","affiliations":[{"raw_affiliation_string":"Key Laboratory of Process Optimization and Intelligent Decision-making, Ministry of Education, Hefei, China","institution_ids":["https://openalex.org/I1327237609"]},{"raw_affiliation_string":"School of Management, Hefei University of Technology, Hefei, China","institution_ids":["https://openalex.org/I16365422"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5100662069","display_name":"Jiapeng Zhang","orcid":"https://orcid.org/0000-0003-1680-8218"},"institutions":[{"id":"https://openalex.org/I1327237609","display_name":"Ministry of Education of the People's Republic of China","ror":"https://ror.org/01mv9t934","country_code":"CN","type":"government","lineage":["https://openalex.org/I1327237609","https://openalex.org/I4210127390"]},{"id":"https://openalex.org/I16365422","display_name":"Hefei University of Technology","ror":"https://ror.org/02czkny70","country_code":"CN","type":"education","lineage":["https://openalex.org/I16365422"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Jiapeng Zhang","raw_affiliation_strings":["Key Laboratory of Process Optimization and Intelligent Decision-making, Ministry of Education, Hefei, China","School of Management, Hefei University of Technology, Hefei, China"],"raw_orcid":"https://orcid.org/0000-0003-1680-8218","affiliations":[{"raw_affiliation_string":"Key Laboratory of Process Optimization and Intelligent Decision-making, Ministry of Education, Hefei, China","institution_ids":["https://openalex.org/I1327237609"]},{"raw_affiliation_string":"School of Management, Hefei University of Technology, Hefei, China","institution_ids":["https://openalex.org/I16365422"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5080622250","display_name":"Yuanyuan Jin","orcid":"https://orcid.org/0000-0001-8624-3502"},"institutions":[{"id":"https://openalex.org/I1327237609","display_name":"Ministry of Education of the People's Republic of China","ror":"https://ror.org/01mv9t934","country_code":"CN","type":"government","lineage":["https://openalex.org/I1327237609","https://openalex.org/I4210127390"]},{"id":"https://openalex.org/I16365422","display_name":"Hefei University of Technology","ror":"https://ror.org/02czkny70","country_code":"CN","type":"education","lineage":["https://openalex.org/I16365422"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Yuanyuan Jin","raw_affiliation_strings":["Key Laboratory of Process Optimization and Intelligent Decision-making, Ministry of Education, Hefei, China","School of Management, Hefei University of Technology, Hefei, China"],"raw_orcid":"https://orcid.org/0000-0001-8624-3502","affiliations":[{"raw_affiliation_string":"Key Laboratory of Process Optimization and Intelligent Decision-making, Ministry of Education, Hefei, China","institution_ids":["https://openalex.org/I1327237609"]},{"raw_affiliation_string":"School of Management, Hefei University of Technology, Hefei, China","institution_ids":["https://openalex.org/I16365422"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":{"value":1850,"currency":"USD","value_usd":1850},"apc_paid":{"value":1850,"currency":"USD","value_usd":1850},"fwci":1.7683,"has_fulltext":true,"cited_by_count":12,"citation_normalized_percentile":{"value":0.86023158,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":89,"max":97},"biblio":{"volume":"8","issue":null,"first_page":"23232","last_page":"23245"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9987999796867371,"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"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9987999796867371,"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/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9907000064849854,"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":0.9825999736785889,"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"}}],"keywords":[{"id":"https://openalex.org/keywords/benchmark","display_name":"Benchmark (surveying)","score":0.6289798021316528},{"id":"https://openalex.org/keywords/support-vector-machine","display_name":"Support vector machine","score":0.6081730127334595},{"id":"https://openalex.org/keywords/investment","display_name":"Investment (military)","score":0.5605881214141846},{"id":"https://openalex.org/keywords/population","display_name":"Population","score":0.5476672649383545},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.5443559885025024},{"id":"https://openalex.org/keywords/data-mining","display_name":"Data mining","score":0.4429228603839874},{"id":"https://openalex.org/keywords/feature","display_name":"Feature (linguistics)","score":0.41242846846580505},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.3595229387283325},{"id":"https://openalex.org/keywords/mathematical-optimization","display_name":"Mathematical optimization","score":0.3427433967590332},{"id":"https://openalex.org/keywords/mathematics","display_name":"Mathematics","score":0.1465185284614563}],"concepts":[{"id":"https://openalex.org/C185798385","wikidata":"https://www.wikidata.org/wiki/Q1161707","display_name":"Benchmark (surveying)","level":2,"score":0.6289798021316528},{"id":"https://openalex.org/C12267149","wikidata":"https://www.wikidata.org/wiki/Q282453","display_name":"Support vector machine","level":2,"score":0.6081730127334595},{"id":"https://openalex.org/C27548731","wikidata":"https://www.wikidata.org/wiki/Q88272","display_name":"Investment (military)","level":3,"score":0.5605881214141846},{"id":"https://openalex.org/C2908647359","wikidata":"https://www.wikidata.org/wiki/Q2625603","display_name":"Population","level":2,"score":0.5476672649383545},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.5443559885025024},{"id":"https://openalex.org/C124101348","wikidata":"https://www.wikidata.org/wiki/Q172491","display_name":"Data mining","level":1,"score":0.4429228603839874},{"id":"https://openalex.org/C2776401178","wikidata":"https://www.wikidata.org/wiki/Q12050496","display_name":"Feature (linguistics)","level":2,"score":0.41242846846580505},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.3595229387283325},{"id":"https://openalex.org/C126255220","wikidata":"https://www.wikidata.org/wiki/Q141495","display_name":"Mathematical optimization","level":1,"score":0.3427433967590332},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.1465185284614563},{"id":"https://openalex.org/C94625758","wikidata":"https://www.wikidata.org/wiki/Q7163","display_name":"Politics","level":2,"score":0.0},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.0},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C13280743","wikidata":"https://www.wikidata.org/wiki/Q131089","display_name":"Geodesy","level":1,"score":0.0},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0},{"id":"https://openalex.org/C149923435","wikidata":"https://www.wikidata.org/wiki/Q37732","display_name":"Demography","level":1,"score":0.0},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1109/access.2020.2970482","is_oa":true,"landing_page_url":"https://doi.org/10.1109/access.2020.2970482","pdf_url":"https://ieeexplore.ieee.org/ielx7/6287639/8948470/08976105.pdf","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,"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","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IEEE Access","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:f8a687ea4be34cf891cee31afc830557","is_oa":true,"landing_page_url":"https://doaj.org/article/f8a687ea4be34cf891cee31afc830557","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,"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 8, Pp 23232-23245 (2020)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.1109/access.2020.2970482","is_oa":true,"landing_page_url":"https://doi.org/10.1109/access.2020.2970482","pdf_url":"https://ieeexplore.ieee.org/ielx7/6287639/8948470/08976105.pdf","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,"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","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IEEE Access","raw_type":"journal-article"},"sustainable_development_goals":[],"awards":[{"id":"https://openalex.org/G1097482877","display_name":null,"funder_award_id":"1908085MG232","funder_id":"https://openalex.org/F4320334897","funder_display_name":"Natural Science Foundation of Anhui Province"},{"id":"https://openalex.org/G2579201537","display_name":null,"funder_award_id":"JZ2019HGBZ0128","funder_id":"https://openalex.org/F4320334897","funder_display_name":"Natural Science Foundation of Anhui Province"},{"id":"https://openalex.org/G3117221646","display_name":null,"funder_award_id":"91546108","funder_id":"https://openalex.org/F4320321001","funder_display_name":"National Natural Science Foundation of China"},{"id":"https://openalex.org/G4590018966","display_name":null,"funder_award_id":"JZ2019HGBZ0128","funder_id":"https://openalex.org/F4320335787","funder_display_name":"Fundamental Research Funds for the Central Universities"},{"id":"https://openalex.org/G6515152557","display_name":null,"funder_award_id":"JZ2019HGTA0053","funder_id":"https://openalex.org/F4320334897","funder_display_name":"Natural Science Foundation of Anhui Province"},{"id":"https://openalex.org/G6642205792","display_name":null,"funder_award_id":"1908085QG298","funder_id":"https://openalex.org/F4320334897","funder_display_name":"Natural Science Foundation of Anhui Province"},{"id":"https://openalex.org/G819000529","display_name":null,"funder_award_id":"91546108","funder_id":"https://openalex.org/F4320334897","funder_display_name":"Natural Science Foundation of Anhui Province"},{"id":"https://openalex.org/G8202495675","display_name":null,"funder_award_id":"71490725","funder_id":"https://openalex.org/F4320321001","funder_display_name":"National Natural Science Foundation of China"},{"id":"https://openalex.org/G8780823639","display_name":null,"funder_award_id":"JZ2019HGTA0053","funder_id":"https://openalex.org/F4320335787","funder_display_name":"Fundamental Research Funds for the Central Universities"}],"funders":[{"id":"https://openalex.org/F4320321001","display_name":"National Natural Science Foundation of China","ror":"https://ror.org/01h0zpd94"},{"id":"https://openalex.org/F4320326536","display_name":"Hefei University","ror":"https://ror.org/01f5rdf64"},{"id":"https://openalex.org/F4320328099","display_name":"Hefei University of Technology","ror":"https://ror.org/02czkny70"},{"id":"https://openalex.org/F4320334897","display_name":"Natural Science Foundation of Anhui Province","ror":null},{"id":"https://openalex.org/F4320335787","display_name":"Fundamental Research Funds for the Central Universities","ror":null}],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3004208167.pdf","grobid_xml":"https://content.openalex.org/works/W3004208167.grobid-xml"},"referenced_works_count":50,"referenced_works":["https://openalex.org/W430137803","https://openalex.org/W1781054783","https://openalex.org/W1861510175","https://openalex.org/W1972507472","https://openalex.org/W2046783094","https://openalex.org/W2078206416","https://openalex.org/W2092718852","https://openalex.org/W2093010752","https://openalex.org/W2097034581","https://openalex.org/W2104680778","https://openalex.org/W2168811238","https://openalex.org/W2277450773","https://openalex.org/W2353515968","https://openalex.org/W2362015215","https://openalex.org/W2473172823","https://openalex.org/W2511250566","https://openalex.org/W2526375869","https://openalex.org/W2530607034","https://openalex.org/W2556844550","https://openalex.org/W2570454085","https://openalex.org/W2608361128","https://openalex.org/W2781560769","https://openalex.org/W2781703105","https://openalex.org/W2789983388","https://openalex.org/W2799791930","https://openalex.org/W2800941002","https://openalex.org/W2808861358","https://openalex.org/W2863377851","https://openalex.org/W2885790982","https://openalex.org/W2890719396","https://openalex.org/W2890748370","https://openalex.org/W2893368739","https://openalex.org/W2893653098","https://openalex.org/W2895196240","https://openalex.org/W2898491100","https://openalex.org/W2901406021","https://openalex.org/W2902847314","https://openalex.org/W2905251838","https://openalex.org/W2907842073","https://openalex.org/W2910156606","https://openalex.org/W2911438221","https://openalex.org/W2914483213","https://openalex.org/W2952417860","https://openalex.org/W2954987973","https://openalex.org/W2964016347","https://openalex.org/W3011010806","https://openalex.org/W4240729970","https://openalex.org/W6639179007","https://openalex.org/W6774390227","https://openalex.org/W6981139495"],"related_works":["https://openalex.org/W2378211422","https://openalex.org/W2745001401","https://openalex.org/W4321353415","https://openalex.org/W2130974462","https://openalex.org/W2028665553","https://openalex.org/W2086519370","https://openalex.org/W972276598","https://openalex.org/W2087343574","https://openalex.org/W4246352526","https://openalex.org/W2951187577"],"abstract_inverted_index":{"The":[0],"frequent":[1],"bankruptcy":[2],"incidents":[3],"of":[4,13,27,86,92,135,146,166,174,202,217],"peer-to-peer":[5],"(P2P)":[6],"lending":[7,29,55,137,148,219],"industry":[8],"have":[9],"damaged":[10],"the":[11,24,78,83,90,110,115,163,199,214],"benefits":[12],"investors":[14],"in":[15,187,213,221],"China,":[16],"and":[17,21,49,88,95,109,130,160,190,193,196],"how":[18,208],"to":[19,106,223],"accurately":[20,159],"efficiently":[22,120,161],"predict":[23,162],"investment":[25,56,138,142,164,220],"risks":[26],"P2P":[28,54,136,147,167,218],"becomes":[30],"an":[31,63,74,141],"important":[32],"problem.":[33],"For":[34],"this":[35,204],"very":[36],"reason,":[37],"a":[38,225],"novel":[39],"prediction":[40,144,216],"method":[41],"based":[42,149],"on":[43,150,171],"improved":[44,64],"binary":[45,65],"glowworm":[46,66],"swarm":[47,67],"optimization":[48],"multi-fractal":[50,101],"dimension":[51,102],"(IBGSOMFD)":[52],"for":[53],"risk":[57,143,165,215],"is":[58,104,155],"proposed.":[59],"Firstly,":[60],"we":[61],"propose":[62],"optimization,":[68],"abbreviated":[69],"IBGSO,":[70,123],"by":[71],"uniformly":[72],"designing":[73],"initial":[75],"population":[76,93],"using":[77],"good-point":[79],"set":[80],"theory,":[81],"improving":[82],"moving":[84],"way":[85],"glowworms,":[87],"introducing":[89],"mechanism":[91],"diffusion":[94],"variation.":[96],"Secondly,":[97],"IBGSO":[98],"combined":[99],"with":[100],"(MFD)":[103],"applied":[105,212],"feature":[107],"selection,":[108],"optimal":[111],"subset":[112],"extracted":[113],"from":[114],"original":[116],"dataset":[117],"can":[118,125,158,210],"be":[119,211],"achieved":[121],"utilizing":[122],"which":[124,157],"reduce":[126],"its":[127,132,194],"redundant":[128],"attributes,":[129],"retain":[131],"pivotal":[133],"attributes":[134],"risk.":[139],"Finally,":[140],"model":[145],"support":[151],"vector":[152],"machine":[153],"(SVM)":[154],"established,":[156],"lending.":[168],"Experimental":[169],"results":[170],"6":[172],"University":[173],"California":[175],"Irvine":[176],"(UCI)":[177],"benchmark":[178],"datasets":[179],"show":[180],"that":[181],"IBGSOMFD":[182],"outperforms":[183],"other":[184],"state-of-the-art":[185],"approaches":[186],"predictive":[188],"ability":[189],"calculative":[191],"efficiency,":[192],"effectiveness":[195],"significance.":[197],"After":[198],"performance":[200],"verification":[201],"IBGSOMFD,":[203],"work":[205],"looks":[206],"at":[207],"it":[209],"China":[222],"maintain":[224],"stable":[226],"market":[227],"order.":[228]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":3},{"year":2023,"cited_by_count":3},{"year":2021,"cited_by_count":3},{"year":2020,"cited_by_count":1}],"updated_date":"2025-11-06T03:46:38.306776","created_date":"2025-10-10T00:00:00"}
