{"id":"https://openalex.org/W2902018400","doi":"https://doi.org/10.1109/icpr.2018.8545474","title":"Prediction Defaults for Networked-guarantee Loans","display_name":"Prediction Defaults for Networked-guarantee Loans","publication_year":2018,"publication_date":"2018-08-01","ids":{"openalex":"https://openalex.org/W2902018400","doi":"https://doi.org/10.1109/icpr.2018.8545474","mag":"2902018400"},"language":"en","primary_location":{"id":"doi:10.1109/icpr.2018.8545474","is_oa":false,"landing_page_url":"https://doi.org/10.1109/icpr.2018.8545474","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2018 24th International Conference on Pattern Recognition (ICPR)","raw_type":"proceedings-article"},"type":"article","indexed_in":["arxiv","crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://arxiv.org/pdf/1702.04642","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5069869295","display_name":"Dawei Cheng","orcid":"https://orcid.org/0000-0002-5877-7387"},"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":true,"raw_author_name":"Dawei Cheng","raw_affiliation_strings":["Department of Computer Science and Engineering, Shanghai Jiao Tong University, China"],"affiliations":[{"raw_affiliation_string":"Department of Computer Science and Engineering, Shanghai Jiao Tong University, China","institution_ids":["https://openalex.org/I183067930"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5042897510","display_name":"Zhibin Niu","orcid":"https://orcid.org/0000-0002-5171-7648"},"institutions":[{"id":"https://openalex.org/I162868743","display_name":"Tianjin University","ror":"https://ror.org/012tb2g32","country_code":"CN","type":"education","lineage":["https://openalex.org/I162868743"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Zhibin Niu","raw_affiliation_strings":["School of Computer Software, Tianjin University, China"],"affiliations":[{"raw_affiliation_string":"School of Computer Software, Tianjin University, China","institution_ids":["https://openalex.org/I162868743"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5020438767","display_name":"Yi Tu","orcid":"https://orcid.org/0000-0002-2051-8806"},"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":"Yi Tu","raw_affiliation_strings":["Department of Computer Science and Engineering, Shanghai Jiao Tong University, China"],"affiliations":[{"raw_affiliation_string":"Department of Computer Science and Engineering, Shanghai Jiao Tong University, China","institution_ids":["https://openalex.org/I183067930"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5100741568","display_name":"Liqing Zhang","orcid":"https://orcid.org/0000-0001-7597-8503"},"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":"Liqing Zhang","raw_affiliation_strings":["Department of Computer Science and Engineering, Shanghai Jiao Tong University, China"],"affiliations":[{"raw_affiliation_string":"Department of Computer Science and Engineering, Shanghai Jiao Tong University, China","institution_ids":["https://openalex.org/I183067930"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":4,"corresponding_author_ids":["https://openalex.org/A5069869295"],"corresponding_institution_ids":["https://openalex.org/I183067930"],"apc_list":null,"apc_paid":null,"fwci":3.1232,"has_fulltext":false,"cited_by_count":21,"citation_normalized_percentile":{"value":0.92136171,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":89,"max":98},"biblio":{"volume":null,"issue":null,"first_page":"361","last_page":"366"},"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":0.9801999926567078,"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":0.9787999987602234,"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/default","display_name":"Default","score":0.7906861305236816},{"id":"https://openalex.org/keywords/loan","display_name":"Loan","score":0.6348376274108887},{"id":"https://openalex.org/keywords/systemic-risk","display_name":"Systemic risk","score":0.6331912279129028},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.5919153690338135},{"id":"https://openalex.org/keywords/credit-risk","display_name":"Credit risk","score":0.5127952694892883},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.4226142466068268},{"id":"https://openalex.org/keywords/debt","display_name":"Debt","score":0.4182443618774414},{"id":"https://openalex.org/keywords/government","display_name":"Government (linguistics)","score":0.41742247343063354},{"id":"https://openalex.org/keywords/financial-crisis","display_name":"Financial crisis","score":0.37736520171165466},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.3563556671142578},{"id":"https://openalex.org/keywords/economics","display_name":"Economics","score":0.11937245726585388}],"concepts":[{"id":"https://openalex.org/C69637215","wikidata":"https://www.wikidata.org/wiki/Q702362","display_name":"Default","level":2,"score":0.7906861305236816},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.6348376274108887},{"id":"https://openalex.org/C144587487","wikidata":"https://www.wikidata.org/wiki/Q1369234","display_name":"Systemic risk","level":3,"score":0.6331912279129028},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.5919153690338135},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.5127952694892883},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4226142466068268},{"id":"https://openalex.org/C120527767","wikidata":"https://www.wikidata.org/wiki/Q3196867","display_name":"Debt","level":2,"score":0.4182443618774414},{"id":"https://openalex.org/C2778137410","wikidata":"https://www.wikidata.org/wiki/Q2732820","display_name":"Government (linguistics)","level":2,"score":0.41742247343063354},{"id":"https://openalex.org/C2778300220","wikidata":"https://www.wikidata.org/wiki/Q114380","display_name":"Financial crisis","level":2,"score":0.37736520171165466},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3563556671142578},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.11937245726585388},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C139719470","wikidata":"https://www.wikidata.org/wiki/Q39680","display_name":"Macroeconomics","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}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1109/icpr.2018.8545474","is_oa":false,"landing_page_url":"https://doi.org/10.1109/icpr.2018.8545474","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2018 24th International Conference on Pattern Recognition (ICPR)","raw_type":"proceedings-article"},{"id":"pmh:oai:arXiv.org:1702.04642","is_oa":true,"landing_page_url":"http://arxiv.org/abs/1702.04642","pdf_url":"https://arxiv.org/pdf/1702.04642","source":{"id":"https://openalex.org/S4306400194","display_name":"arXiv (Cornell University)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I205783295","host_organization_name":"Cornell University","host_organization_lineage":["https://openalex.org/I205783295"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"text"}],"best_oa_location":{"id":"pmh:oai:arXiv.org:1702.04642","is_oa":true,"landing_page_url":"http://arxiv.org/abs/1702.04642","pdf_url":"https://arxiv.org/pdf/1702.04642","source":{"id":"https://openalex.org/S4306400194","display_name":"arXiv (Cornell University)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I205783295","host_organization_name":"Cornell University","host_organization_lineage":["https://openalex.org/I205783295"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"text"},"sustainable_development_goals":[{"display_name":"Partnerships for the goals","score":0.5199999809265137,"id":"https://metadata.un.org/sdg/17"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":34,"referenced_works":["https://openalex.org/W85350352","https://openalex.org/W1563938718","https://openalex.org/W1589983432","https://openalex.org/W1916889544","https://openalex.org/W1964159032","https://openalex.org/W1967266090","https://openalex.org/W1993220166","https://openalex.org/W1994345439","https://openalex.org/W1994446399","https://openalex.org/W2017437493","https://openalex.org/W2036547589","https://openalex.org/W2047010542","https://openalex.org/W2078897006","https://openalex.org/W2088252378","https://openalex.org/W2099574652","https://openalex.org/W2107559689","https://openalex.org/W2118978333","https://openalex.org/W2119191234","https://openalex.org/W2132791018","https://openalex.org/W2137029138","https://openalex.org/W2143544657","https://openalex.org/W2168123127","https://openalex.org/W2207792509","https://openalex.org/W2574051726","https://openalex.org/W2588672065","https://openalex.org/W2589006439","https://openalex.org/W2806878878","https://openalex.org/W3101985387","https://openalex.org/W3121588992","https://openalex.org/W3121838314","https://openalex.org/W3123608125","https://openalex.org/W3124197748","https://openalex.org/W6603460400","https://openalex.org/W6732261332"],"related_works":["https://openalex.org/W3111031756","https://openalex.org/W613889982","https://openalex.org/W1532293414","https://openalex.org/W2892044735","https://openalex.org/W4385561904","https://openalex.org/W3122155953","https://openalex.org/W3161551118","https://openalex.org/W2768429096","https://openalex.org/W606680577","https://openalex.org/W2612601761"],"abstract_inverted_index":{"Networked-guarantee":[0],"loans":[1,22],"may":[2,64],"cause":[3],"the":[4,10,31,41,53,61,70,93,110,131,136],"systemic":[5,77],"risk":[6,63,88,96,160,170],"related":[7],"concern":[8],"of":[9,18,20,164],"government":[11],"and":[12,30,187],"banks":[13],"in":[14,52,97,162],"China.":[15],"The":[16,150],"prediction":[17,28,132,175],"default":[19,95,118,123],"enterprise":[21,51,94],"is":[23,44,107,116,126],"a":[24,45,58,67,76,98,121,140,146],"typical":[25],"extremely":[26],"imbalanced":[27,86],"problem,":[29],"networked-guarantee":[32],"make":[33],"this":[34,81],"problem":[35],"more":[36],"difficult":[37],"to":[38,75,91,128,184],"solve.":[39],"Since":[40],"guaranteed":[42],"loan":[43,143],"debt":[46,62],"obligation":[47],"promise,":[48],"if":[49],"one":[50],"guarantee":[54,71],"network":[55,87],"falls":[56],"into":[57],"financial":[59,78],"crisis,":[60],"spread":[65],"like":[66],"virus":[68],"across":[69],"network,":[72],"even":[73],"lead":[74],"crisis.":[79],"In":[80,166],"paper,":[82],"we":[83],"propose":[84],"an":[85],"diffusion":[89,124],"model":[90,125,172],"forecast":[92],"short":[99],"future.":[100],"Positive":[101],"weighted":[102],"k-nearest":[103],"neighbors":[104],"(p-wkNN)":[105],"algorithm":[106],"developed":[108],"for":[109],"stand-alone":[111],"case":[112],"-":[113],"when":[114],"there":[115],"no":[117],"contagious;":[119],"then":[120],"data-driven":[122],"integrated":[127],"further":[129],"improve":[130],"accuracy.":[133],"We":[134],"perform":[135],"empirical":[137],"study":[138],"on":[139,177],"real-world":[141,178],"three-years":[142],"record":[144],"from":[145],"major":[147],"commercial":[148],"bank.":[149],"results":[151],"show":[152],"that":[153],"our":[154,168],"proposed":[155],"method":[156],"outperforms":[157],"conventional":[158],"credit":[159],"methods":[161],"terms":[163],"AUC.":[165],"summary,":[167],"quantitative":[169],"evaluation":[171],"shows":[173],"promising":[174],"performance":[176],"data,":[179],"which":[180],"could":[181],"be":[182],"useful":[183],"both":[185],"regulators":[186],"stakeholders.":[188]},"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":4},{"year":2022,"cited_by_count":6},{"year":2021,"cited_by_count":1},{"year":2020,"cited_by_count":2},{"year":2019,"cited_by_count":3}],"updated_date":"2026-04-10T15:06:20.359241","created_date":"2025-10-10T00:00:00"}