{"id":"https://openalex.org/W3000585769","doi":"https://doi.org/10.1109/icmlc48188.2019.8949252","title":"Investigations on Classification Methods for Loan Application Based on Machine Learning","display_name":"Investigations on Classification Methods for Loan Application Based on Machine Learning","publication_year":2019,"publication_date":"2019-07-01","ids":{"openalex":"https://openalex.org/W3000585769","doi":"https://doi.org/10.1109/icmlc48188.2019.8949252","mag":"3000585769"},"language":"en","primary_location":{"id":"doi:10.1109/icmlc48188.2019.8949252","is_oa":false,"landing_page_url":"https://doi.org/10.1109/icmlc48188.2019.8949252","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2019 International Conference on Machine Learning and Cybernetics (ICMLC)","raw_type":"proceedings-article"},"type":"conference-paper","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/A5100678368","display_name":"Mingli Wu","orcid":"https://orcid.org/0009-0007-5653-9004"},"institutions":[{"id":"https://openalex.org/I1456306","display_name":"North China University of Technology","ror":"https://ror.org/01nky7652","country_code":"CN","type":"education","lineage":["https://openalex.org/I1456306"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Mingli Wu","raw_affiliation_strings":["School of Information Science and Technology, North China University of Technology,Beijing,China,100144","School of Information Science and Technology, North China University of Technology, Beijing, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Information Science and Technology, North China University of Technology,Beijing,China,100144","institution_ids":["https://openalex.org/I1456306"]},{"raw_affiliation_string":"School of Information Science and Technology, North China University of Technology, Beijing, China","institution_ids":["https://openalex.org/I1456306"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5102861007","display_name":"Yafei Huang","orcid":"https://orcid.org/0000-0001-8377-5888"},"institutions":[{"id":"https://openalex.org/I1456306","display_name":"North China University of Technology","ror":"https://ror.org/01nky7652","country_code":"CN","type":"education","lineage":["https://openalex.org/I1456306"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Yafei Huang","raw_affiliation_strings":["School of Information Science and Technology, North China University of Technology,Beijing,China,100144","School of Information Science and Technology, North China University of Technology, Beijing, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Information Science and Technology, North China University of Technology,Beijing,China,100144","institution_ids":["https://openalex.org/I1456306"]},{"raw_affiliation_string":"School of Information Science and Technology, North China University of Technology, Beijing, China","institution_ids":["https://openalex.org/I1456306"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5101786459","display_name":"Jianyong Duan","orcid":"https://orcid.org/0000-0003-1322-2107"},"institutions":[{"id":"https://openalex.org/I1456306","display_name":"North China University of Technology","ror":"https://ror.org/01nky7652","country_code":"CN","type":"education","lineage":["https://openalex.org/I1456306"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Jianyong Duan","raw_affiliation_strings":["School of Information Science and Technology, North China University of Technology,Beijing,China,100144","School of Information Science and Technology, North China University of Technology, Beijing, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Information Science and Technology, North China University of Technology,Beijing,China,100144","institution_ids":["https://openalex.org/I1456306"]},{"raw_affiliation_string":"School of Information Science and Technology, North China University of Technology, Beijing, China","institution_ids":["https://openalex.org/I1456306"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I1456306"],"apc_list":null,"apc_paid":null,"fwci":0.9984,"has_fulltext":false,"cited_by_count":9,"citation_normalized_percentile":{"value":0.77794288,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":89,"max":97},"biblio":{"volume":null,"issue":null,"first_page":"1","last_page":"6"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11326","display_name":"Stock Market Forecasting Methods","score":0.9954000115394592,"subfield":{"id":"https://openalex.org/subfields/1803","display_name":"Management Science and Operations Research"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11326","display_name":"Stock Market Forecasting Methods","score":0.9954000115394592,"subfield":{"id":"https://openalex.org/subfields/1803","display_name":"Management Science and Operations Research"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9891999959945679,"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":0.968500018119812,"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/loan","display_name":"Loan","score":0.7667580246925354},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.7507027387619019},{"id":"https://openalex.org/keywords/artificial-neural-network","display_name":"Artificial neural network","score":0.5853009223937988},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.5834919214248657},{"id":"https://openalex.org/keywords/decision-tree","display_name":"Decision tree","score":0.5529678463935852},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.5270987749099731},{"id":"https://openalex.org/keywords/competitor-analysis","display_name":"Competitor analysis","score":0.5180540084838867},{"id":"https://openalex.org/keywords/exploit","display_name":"Exploit","score":0.4897158443927765},{"id":"https://openalex.org/keywords/speech-recognition","display_name":"Speech recognition","score":0.35241419076919556},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.22809910774230957},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.09808766841888428},{"id":"https://openalex.org/keywords/marketing","display_name":"Marketing","score":0.09146296977996826}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.7667580246925354},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.7507027387619019},{"id":"https://openalex.org/C50644808","wikidata":"https://www.wikidata.org/wiki/Q192776","display_name":"Artificial neural network","level":2,"score":0.5853009223937988},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.5834919214248657},{"id":"https://openalex.org/C84525736","wikidata":"https://www.wikidata.org/wiki/Q831366","display_name":"Decision tree","level":2,"score":0.5529678463935852},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.5270987749099731},{"id":"https://openalex.org/C127576917","wikidata":"https://www.wikidata.org/wiki/Q624630","display_name":"Competitor analysis","level":2,"score":0.5180540084838867},{"id":"https://openalex.org/C165696696","wikidata":"https://www.wikidata.org/wiki/Q11287","display_name":"Exploit","level":2,"score":0.4897158443927765},{"id":"https://openalex.org/C28490314","wikidata":"https://www.wikidata.org/wiki/Q189436","display_name":"Speech recognition","level":1,"score":0.35241419076919556},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.22809910774230957},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.09808766841888428},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.09146296977996826},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1109/icmlc48188.2019.8949252","is_oa":false,"landing_page_url":"https://doi.org/10.1109/icmlc48188.2019.8949252","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2019 International Conference on Machine Learning and Cybernetics (ICMLC)","raw_type":"proceedings-article"}],"best_oa_location":null,"sustainable_development_goals":[{"display_name":"Peace, Justice and strong institutions","id":"https://metadata.un.org/sdg/16","score":0.46000000834465027}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":11,"referenced_works":["https://openalex.org/W435157458","https://openalex.org/W1663837557","https://openalex.org/W1665214252","https://openalex.org/W1990113270","https://openalex.org/W2012290843","https://openalex.org/W2149283560","https://openalex.org/W2473172823","https://openalex.org/W2602034649","https://openalex.org/W2607162077","https://openalex.org/W2607541615","https://openalex.org/W6637242042"],"related_works":["https://openalex.org/W17155033","https://openalex.org/W3207760230","https://openalex.org/W1496222301","https://openalex.org/W4312814274","https://openalex.org/W1590307681","https://openalex.org/W2536018345","https://openalex.org/W4285370786","https://openalex.org/W2296488620","https://openalex.org/W2358353312","https://openalex.org/W2353836703"],"abstract_inverted_index":{"As":[0],"there":[1],"is":[2,39,138],"an":[3],"increasing":[4],"trend":[5],"of":[6,19,73,89,129,145],"people":[7],"consuming":[8],"by":[9],"debit":[10],"in":[11,78,87],"China,":[12],"financial":[13,63],"organizations":[14,31],"deal":[15],"with":[16,101],"a":[17,45],"lot":[18],"loan":[20,50],"applications.":[21],"If":[22],"customers":[23],"cannot":[24],"repay":[25,48],"the":[26,30,35,49,71,142],"loans":[27],"on":[28,51],"time,":[29],"have":[32],"to":[33,41,60],"cover":[34],"loss.":[36],"Therefore":[37],"it":[38,82,100],"important":[40],"predict":[42],"correctly":[43],"whether":[44],"customer":[46],"will":[47],"time.":[52],"Typical":[53],"machine":[54],"learning":[55,103],"methods":[56],"can":[57],"be":[58],"employed":[59],"exploit":[61],"customers'":[62],"information":[64],"and":[65,94,111,127,133],"give":[66],"valuable":[67],"judgements.":[68],"We":[69,98],"investigated":[70],"function":[72],"Deep":[74],"Neural":[75],"Network":[76],"(DNN)":[77],"this":[79],"work,":[80],"as":[81,106],"achieves":[83,118],"high":[84],"successful":[85],"rate":[86],"fields":[88],"image":[90],"recognition,":[91],"speech":[92],"recognition":[93],"natural":[95],"language":[96],"processing.":[97],"compared":[99],"traditional":[102,123,146],"methods,":[104],"such":[105],"Na\u00efve":[107],"Bayes,":[108],"decision":[109],"tree":[110],"K-Nearest":[112],"Neighbor.":[113],"Experiments":[114],"showed":[115],"that":[116],"DNN":[117,130],"better":[119],"performance":[120],"than":[121,141],"its":[122],"competitors.":[124],"The":[125],"accuracy":[126],"recall":[128],"are":[131],"0.73":[132],"0.42":[134],"respectively.":[135],"Its":[136],"It-score":[137],"25%":[139],"higher":[140],"best":[143],"one":[144],"methods.":[147]},"counts_by_year":[{"year":2025,"cited_by_count":2},{"year":2024,"cited_by_count":3},{"year":2023,"cited_by_count":1},{"year":2022,"cited_by_count":1},{"year":2021,"cited_by_count":1},{"year":2020,"cited_by_count":1}],"updated_date":"2026-07-29T14:22:42.915294","created_date":"2025-10-10T00:00:00"}
