{"id":"https://openalex.org/W4387415016","doi":"https://doi.org/10.1109/access.2023.3322429","title":"Incorporating Feature Interactions and Contrastive Learning for Credit Prediction","display_name":"Incorporating Feature Interactions and Contrastive Learning for Credit Prediction","publication_year":2023,"publication_date":"2023-01-01","ids":{"openalex":"https://openalex.org/W4387415016","doi":"https://doi.org/10.1109/access.2023.3322429"},"language":"en","primary_location":{"id":"doi:10.1109/access.2023.3322429","is_oa":true,"landing_page_url":"https://doi.org/10.1109/access.2023.3322429","pdf_url":"https://ieeexplore.ieee.org/ielx7/6287639/6514899/10273718.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":null,"license_id":null,"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/ielx7/6287639/6514899/10273718.pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5103267012","display_name":"Lisi Zhang","orcid":"https://orcid.org/0009-0002-5324-9478"},"institutions":[{"id":"https://openalex.org/I3019309368","display_name":"North Minzu University","ror":"https://ror.org/05xjevr11","country_code":"CN","type":"education","lineage":["https://openalex.org/I3019309368"]}],"countries":["CN"],"is_corresponding":true,"raw_author_name":"Lisi Zhang","raw_affiliation_strings":["College of Computer Science and Engineering, North Minzu University, Ningxia, China","The College of Computer Science and Engineering, North Minzu University, Ningxia, China"],"raw_orcid":"https://orcid.org/0009-0002-5324-9478","affiliations":[{"raw_affiliation_string":"College of Computer Science and Engineering, North Minzu University, Ningxia, China","institution_ids":["https://openalex.org/I3019309368"]},{"raw_affiliation_string":"The College of Computer Science and Engineering, North Minzu University, Ningxia, China","institution_ids":["https://openalex.org/I3019309368"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5068335594","display_name":"Qiancheng Yu","orcid":"https://orcid.org/0000-0002-6408-6451"},"institutions":[{"id":"https://openalex.org/I2799449666","display_name":"State Ethnic Affairs Commission","ror":"https://ror.org/01p9g6b97","country_code":"CN","type":"government","lineage":["https://openalex.org/I2799449666"]},{"id":"https://openalex.org/I3019309368","display_name":"North Minzu University","ror":"https://ror.org/05xjevr11","country_code":"CN","type":"education","lineage":["https://openalex.org/I3019309368"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Qiancheng Yu","raw_affiliation_strings":["College of Computer Science and Engineering, North Minzu University, Ningxia, China","Laboratory of graphics and images of the State Ethnic Affairs Commission, Ningxia, China","The College of Computer Science and Engineering, North Minzu University, Ningxia, China"],"raw_orcid":"https://orcid.org/0000-0002-6408-6451","affiliations":[{"raw_affiliation_string":"College of Computer Science and Engineering, North Minzu University, Ningxia, China","institution_ids":["https://openalex.org/I3019309368"]},{"raw_affiliation_string":"Laboratory of graphics and images of the State Ethnic Affairs Commission, Ningxia, China","institution_ids":["https://openalex.org/I2799449666"]},{"raw_affiliation_string":"The College of Computer Science and Engineering, North Minzu University, Ningxia, China","institution_ids":["https://openalex.org/I3019309368"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5014327195","display_name":"Beijing Zhou","orcid":null},"institutions":[{"id":"https://openalex.org/I3019309368","display_name":"North Minzu University","ror":"https://ror.org/05xjevr11","country_code":"CN","type":"education","lineage":["https://openalex.org/I3019309368"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Beijing Zhou","raw_affiliation_strings":["College of Computer Science and Engineering, North Minzu University, Ningxia, China","The College of Computer Science and Engineering, North Minzu University, Ningxia, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"College of Computer Science and Engineering, North Minzu University, Ningxia, China","institution_ids":["https://openalex.org/I3019309368"]},{"raw_affiliation_string":"The College of Computer Science and Engineering, North Minzu University, Ningxia, China","institution_ids":["https://openalex.org/I3019309368"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5100376984","display_name":"Yifan Zhang","orcid":"https://orcid.org/0009-0009-4458-8663"},"institutions":[{"id":"https://openalex.org/I3019309368","display_name":"North Minzu University","ror":"https://ror.org/05xjevr11","country_code":"CN","type":"education","lineage":["https://openalex.org/I3019309368"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Yifan Zhang","raw_affiliation_strings":["College of Computer Science and Engineering, North Minzu University, Ningxia, China","The College of Computer Science and Engineering, North Minzu University, Ningxia, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"College of Computer Science and Engineering, North Minzu University, Ningxia, China","institution_ids":["https://openalex.org/I3019309368"]},{"raw_affiliation_string":"The College of Computer Science and Engineering, North Minzu University, Ningxia, China","institution_ids":["https://openalex.org/I3019309368"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5100614886","display_name":"HU Zhi-yong","orcid":"https://orcid.org/0009-0001-0593-5628"},"institutions":[{"id":"https://openalex.org/I3019309368","display_name":"North Minzu University","ror":"https://ror.org/05xjevr11","country_code":"CN","type":"education","lineage":["https://openalex.org/I3019309368"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Zhiyong Hu","raw_affiliation_strings":["College of Computer Science and Engineering, North Minzu University, Ningxia, China","The College of Computer Science and Engineering, North Minzu University, Ningxia, China"],"raw_orcid":"https://orcid.org/0009-0001-0593-5628","affiliations":[{"raw_affiliation_string":"College of Computer Science and Engineering, North Minzu University, Ningxia, China","institution_ids":["https://openalex.org/I3019309368"]},{"raw_affiliation_string":"The College of Computer Science and Engineering, North Minzu University, Ningxia, China","institution_ids":["https://openalex.org/I3019309368"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":5,"corresponding_author_ids":["https://openalex.org/A5103267012"],"corresponding_institution_ids":["https://openalex.org/I3019309368"],"apc_list":{"value":1850,"currency":"USD","value_usd":1850},"apc_paid":{"value":1850,"currency":"USD","value_usd":1850},"fwci":0.9377,"has_fulltext":true,"cited_by_count":2,"citation_normalized_percentile":{"value":0.79629452,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":90,"max":95},"biblio":{"volume":"11","issue":null,"first_page":"111944","last_page":"111955"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9994000196456909,"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":0.9994000196456909,"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":0.9907000064849854,"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/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.989300012588501,"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"}}],"keywords":[{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.7237545251846313},{"id":"https://openalex.org/keywords/feature","display_name":"Feature (linguistics)","score":0.5716582536697388},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.5629838109016418},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.4860139489173889}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.7237545251846313},{"id":"https://openalex.org/C2776401178","wikidata":"https://www.wikidata.org/wiki/Q12050496","display_name":"Feature (linguistics)","level":2,"score":0.5716582536697388},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.5629838109016418},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.4860139489173889},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1109/access.2023.3322429","is_oa":true,"landing_page_url":"https://doi.org/10.1109/access.2023.3322429","pdf_url":"https://ieeexplore.ieee.org/ielx7/6287639/6514899/10273718.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":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IEEE Access","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:0053947b09304738a6e79a47d292affb","is_oa":true,"landing_page_url":"https://doaj.org/article/0053947b09304738a6e79a47d292affb","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 11, Pp 111944-111955 (2023)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.1109/access.2023.3322429","is_oa":true,"landing_page_url":"https://doi.org/10.1109/access.2023.3322429","pdf_url":"https://ieeexplore.ieee.org/ielx7/6287639/6514899/10273718.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":null,"license_id":null,"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/G8049715816","display_name":null,"funder_award_id":"2022PT_S10","funder_id":"https://openalex.org/F4320327619","funder_display_name":"North Minzu University"}],"funders":[{"id":"https://openalex.org/F4320327619","display_name":"North Minzu University","ror":null}],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4387415016.pdf","grobid_xml":"https://content.openalex.org/works/W4387415016.grobid-xml"},"referenced_works_count":28,"referenced_works":["https://openalex.org/W1522301498","https://openalex.org/W2148143831","https://openalex.org/W2295739661","https://openalex.org/W2475334473","https://openalex.org/W2509235963","https://openalex.org/W2604662567","https://openalex.org/W2946044191","https://openalex.org/W2964052347","https://openalex.org/W2984062413","https://openalex.org/W2991237042","https://openalex.org/W3010079658","https://openalex.org/W3010882522","https://openalex.org/W3023976197","https://openalex.org/W3104789011","https://openalex.org/W3111672143","https://openalex.org/W3119379387","https://openalex.org/W4210254784","https://openalex.org/W4211229275","https://openalex.org/W4220923808","https://openalex.org/W4284666445","https://openalex.org/W4303444761","https://openalex.org/W4310631727","https://openalex.org/W4320033649","https://openalex.org/W4379520547","https://openalex.org/W4381786098","https://openalex.org/W6631190155","https://openalex.org/W6797674293","https://openalex.org/W6843189178"],"related_works":["https://openalex.org/W2961085424","https://openalex.org/W4306674287","https://openalex.org/W4387369504","https://openalex.org/W3046775127","https://openalex.org/W4394896187","https://openalex.org/W3170094116","https://openalex.org/W4386462264","https://openalex.org/W3107602296","https://openalex.org/W4364306694","https://openalex.org/W4312192474"],"abstract_inverted_index":{"The":[0,152],"efficacy":[1],"of":[2,14,72,82,103,132,159,173],"credit":[3,18,45,174],"risk":[4,11,19,175],"assessment":[5],"models":[6,20,63],"is":[7],"pivotal":[8],"to":[9,28,64,99,129],"the":[10,70,80,88,101,130,156,171],"management":[12],"capacity":[13],"financial":[15],"institutions.":[16],"Traditional":[17],"often":[21],"suffer":[22],"from":[23],"inadequate":[24],"predictive":[25,145],"accuracy":[26],"due":[27],"overlooked":[29],"feature":[30,50,67,96,114,125],"combinations":[31],"and":[32,52,76,93,105,119,150,168],"weak":[33],"supervisory":[34,107],"signals.":[35],"Addressing":[36],"these":[37],"limitations,":[38],"we":[39,56,109,135],"present":[40],"a":[41],"novel":[42],"approach":[43],"for":[44,116],"default":[46],"prediction":[47],"that":[48],"integrates":[49],"interactions":[51,59],"contrastive":[53,121],"learning.":[54],"Specifically,":[55],"introduce":[57],"second-order":[58],"atop":[60],"standard":[61],"linear":[62],"achieve":[65],"low-order":[66],"interplay.":[68],"Concurrently,":[69],"integration":[71],"deep":[73],"neural":[74],"networks":[75],"attention":[77],"mechanisms":[78],"facilitates":[79],"learning":[81],"concealed":[83],"high-order":[84],"features,":[85],"thus":[86],"enhancing":[87],"model\u2019s":[89],"non-linear":[90],"modeling":[91],"capabilities":[92],"illuminating":[94],"latent":[95],"associations.":[97],"Further,":[98],"ameliorate":[100],"issues":[102],"noise":[104,112],"diminished":[106],"signals,":[108],"embed":[110],"slight":[111],"in":[113,170],"embeddings":[115],"data":[117],"augmentation":[118],"construct":[120],"views,":[122],"ultimately":[123],"refining":[124],"quality.":[126],"To":[127],"attest":[128],"effectiveness":[131],"our":[133,160],"approach,":[134],"conducted":[136],"experiments":[137],"on":[138],"two":[139],"real-world":[140],"datasets,":[141],"benchmarking":[142],"against":[143],"eight":[144],"methods":[146],"including":[147],"LR,":[148],"XGBoost,":[149],"FiBiNET.":[151],"results":[153],"unequivocally":[154],"demonstrate":[155],"superior":[157],"performance":[158],"method":[161],"across":[162],"various":[163],"metrics,":[164],"underscoring":[165],"its":[166],"promise":[167],"excellence":[169],"realm":[172],"assessment.":[176]},"counts_by_year":[{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":1}],"updated_date":"2026-05-06T08:25:59.206177","created_date":"2025-10-10T00:00:00"}