{"id":"https://openalex.org/W3006063106","doi":"https://doi.org/10.1109/mis.2020.2972533","title":"XGBoost Model and Its Application to Personal Credit Evaluation","display_name":"XGBoost Model and Its Application to Personal Credit Evaluation","publication_year":2020,"publication_date":"2020-02-11","ids":{"openalex":"https://openalex.org/W3006063106","doi":"https://doi.org/10.1109/mis.2020.2972533","mag":"3006063106"},"language":"en","primary_location":{"id":"doi:10.1109/mis.2020.2972533","is_oa":false,"landing_page_url":"https://doi.org/10.1109/mis.2020.2972533","pdf_url":null,"source":{"id":"https://openalex.org/S114241109","display_name":"IEEE Intelligent Systems","issn_l":"1541-1672","issn":["1541-1672","1941-1294"],"is_oa":false,"is_in_doaj":false,"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 Intelligent Systems","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/A5100726322","display_name":"Hua Li","orcid":"https://orcid.org/0000-0002-0745-035X"},"institutions":[{"id":"https://openalex.org/I38877650","display_name":"Zhengzhou University","ror":"https://ror.org/04ypx8c21","country_code":"CN","type":"education","lineage":["https://openalex.org/I38877650"]},{"id":"https://openalex.org/I4210091706","display_name":"Henan Academy of Sciences","ror":"https://ror.org/00hy87220","country_code":"CN","type":"facility","lineage":["https://openalex.org/I4210091706"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Hua Li","raw_affiliation_strings":["Henan Key Laboratory of Financial EngineeringHenan Academy of Big DataZhengzhou University","Henan Key Laboratory of Financial Engineering, Henan Academy of Big Data, Zhengzhou University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Henan Key Laboratory of Financial EngineeringHenan Academy of Big DataZhengzhou University","institution_ids":["https://openalex.org/I4210091706"]},{"raw_affiliation_string":"Henan Key Laboratory of Financial Engineering, Henan Academy of Big Data, Zhengzhou University","institution_ids":["https://openalex.org/I38877650"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5001123718","display_name":"Y. Cao","orcid":"https://orcid.org/0000-0001-8747-2809"},"institutions":[{"id":"https://openalex.org/I38877650","display_name":"Zhengzhou University","ror":"https://ror.org/04ypx8c21","country_code":"CN","type":"education","lineage":["https://openalex.org/I38877650"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Yumeng Cao","raw_affiliation_strings":["Zhengzhou University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Zhengzhou University","institution_ids":["https://openalex.org/I38877650"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5100737815","display_name":"Siwen Li","orcid":"https://orcid.org/0000-0002-7490-1739"},"institutions":[{"id":"https://openalex.org/I38877650","display_name":"Zhengzhou University","ror":"https://ror.org/04ypx8c21","country_code":"CN","type":"education","lineage":["https://openalex.org/I38877650"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Siwen Li","raw_affiliation_strings":["Zhengzhou University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Zhengzhou University","institution_ids":["https://openalex.org/I38877650"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5073578302","display_name":"Jianbin Zhao","orcid":"https://orcid.org/0000-0002-8323-8190"},"institutions":[{"id":"https://openalex.org/I38877650","display_name":"Zhengzhou University","ror":"https://ror.org/04ypx8c21","country_code":"CN","type":"education","lineage":["https://openalex.org/I38877650"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Jianbin Zhao","raw_affiliation_strings":["Zhengzhou University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Zhengzhou University","institution_ids":["https://openalex.org/I38877650"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5083065974","display_name":"Yutong Sun","orcid":"https://orcid.org/0000-0002-3885-3557"},"institutions":[{"id":"https://openalex.org/I111950717","display_name":"Macau University of Science and Technology","ror":"https://ror.org/03jqs2n27","country_code":"MO","type":"education","lineage":["https://openalex.org/I111950717","https://openalex.org/I4391767947"]}],"countries":["MO"],"is_corresponding":false,"raw_author_name":"Yutong Sun","raw_affiliation_strings":["Macau University of Science and Technology"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Macau University of Science and Technology","institution_ids":["https://openalex.org/I111950717"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":3,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":23.4733,"has_fulltext":false,"cited_by_count":150,"citation_normalized_percentile":{"value":0.99700278,"is_in_top_1_percent":true,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":90,"max":100},"biblio":{"volume":"35","issue":"3","first_page":"52","last_page":"61"},"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":0.9968000054359436,"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/T11063","display_name":"Rough Sets and Fuzzy Logic","score":0.9753999710083008,"subfield":{"id":"https://openalex.org/subfields/1703","display_name":"Computational Theory and Mathematics"},"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/computer-science","display_name":"Computer science","score":0.7698181867599487},{"id":"https://openalex.org/keywords/feature-selection","display_name":"Feature selection","score":0.6917579174041748},{"id":"https://openalex.org/keywords/gradient-boosting","display_name":"Gradient boosting","score":0.688625693321228},{"id":"https://openalex.org/keywords/loan","display_name":"Loan","score":0.6117849946022034},{"id":"https://openalex.org/keywords/logistic-regression","display_name":"Logistic regression","score":0.5779057741165161},{"id":"https://openalex.org/keywords/boosting","display_name":"Boosting (machine learning)","score":0.5759814381599426},{"id":"https://openalex.org/keywords/decision-tree","display_name":"Decision tree","score":0.5734260082244873},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.4978189468383789},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.49283719062805176},{"id":"https://openalex.org/keywords/credit-card","display_name":"Credit card","score":0.46378079056739807},{"id":"https://openalex.org/keywords/data-modeling","display_name":"Data modeling","score":0.44394153356552124},{"id":"https://openalex.org/keywords/set","display_name":"Set (abstract data type)","score":0.41426002979278564},{"id":"https://openalex.org/keywords/data-mining","display_name":"Data mining","score":0.396804541349411},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.175405353307724},{"id":"https://openalex.org/keywords/random-forest","display_name":"Random forest","score":0.13823646306991577}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.7698181867599487},{"id":"https://openalex.org/C148483581","wikidata":"https://www.wikidata.org/wiki/Q446488","display_name":"Feature selection","level":2,"score":0.6917579174041748},{"id":"https://openalex.org/C70153297","wikidata":"https://www.wikidata.org/wiki/Q5591907","display_name":"Gradient boosting","level":3,"score":0.688625693321228},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.6117849946022034},{"id":"https://openalex.org/C151956035","wikidata":"https://www.wikidata.org/wiki/Q1132755","display_name":"Logistic regression","level":2,"score":0.5779057741165161},{"id":"https://openalex.org/C46686674","wikidata":"https://www.wikidata.org/wiki/Q466303","display_name":"Boosting (machine learning)","level":2,"score":0.5759814381599426},{"id":"https://openalex.org/C84525736","wikidata":"https://www.wikidata.org/wiki/Q831366","display_name":"Decision tree","level":2,"score":0.5734260082244873},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.4978189468383789},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.49283719062805176},{"id":"https://openalex.org/C2983355114","wikidata":"https://www.wikidata.org/wiki/Q161380","display_name":"Credit card","level":3,"score":0.46378079056739807},{"id":"https://openalex.org/C67186912","wikidata":"https://www.wikidata.org/wiki/Q367664","display_name":"Data modeling","level":2,"score":0.44394153356552124},{"id":"https://openalex.org/C177264268","wikidata":"https://www.wikidata.org/wiki/Q1514741","display_name":"Set (abstract data type)","level":2,"score":0.41426002979278564},{"id":"https://openalex.org/C124101348","wikidata":"https://www.wikidata.org/wiki/Q172491","display_name":"Data mining","level":1,"score":0.396804541349411},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.175405353307724},{"id":"https://openalex.org/C169258074","wikidata":"https://www.wikidata.org/wiki/Q245748","display_name":"Random forest","level":2,"score":0.13823646306991577},{"id":"https://openalex.org/C77088390","wikidata":"https://www.wikidata.org/wiki/Q8513","display_name":"Database","level":1,"score":0.0},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.0},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.0},{"id":"https://openalex.org/C199360897","wikidata":"https://www.wikidata.org/wiki/Q9143","display_name":"Programming language","level":1,"score":0.0},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1109/mis.2020.2972533","is_oa":false,"landing_page_url":"https://doi.org/10.1109/mis.2020.2972533","pdf_url":null,"source":{"id":"https://openalex.org/S114241109","display_name":"IEEE Intelligent Systems","issn_l":"1541-1672","issn":["1541-1672","1941-1294"],"is_oa":false,"is_in_doaj":false,"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 Intelligent Systems","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[{"display_name":"Decent work and economic growth","id":"https://metadata.un.org/sdg/8","score":0.4300000071525574}],"awards":[{"id":"https://openalex.org/G6334417450","display_name":null,"funder_award_id":"11501523","funder_id":"https://openalex.org/F4320321001","funder_display_name":"National Natural Science Foundation of China"}],"funders":[{"id":"https://openalex.org/F4320321001","display_name":"National Natural Science Foundation of China","ror":"https://ror.org/01h0zpd94"}],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":11,"referenced_works":["https://openalex.org/W1678356000","https://openalex.org/W2001753223","https://openalex.org/W2093829413","https://openalex.org/W2122025464","https://openalex.org/W2142399242","https://openalex.org/W2295598076","https://openalex.org/W2911964244","https://openalex.org/W2948225451","https://openalex.org/W2951009916","https://openalex.org/W6681164775","https://openalex.org/W6763543953"],"related_works":["https://openalex.org/W2967733078","https://openalex.org/W3204430031","https://openalex.org/W3137904399","https://openalex.org/W4310492845","https://openalex.org/W2885778889","https://openalex.org/W4310224730","https://openalex.org/W2766514146","https://openalex.org/W4289703016","https://openalex.org/W2885516856","https://openalex.org/W3094138326"],"abstract_inverted_index":{"This":[0],"article":[1],"investigates":[2],"the":[3,6,13,24,28,39,43,49,64,79,83],"application":[4],"of":[5,27],"eXtreme":[7],"Gradient":[8],"Boosting":[9],"(XGB)":[10],"method":[11],"to":[12,42,78],"credit":[14,29],"evaluation":[15],"problem":[16,31],"based":[17,47],"on":[18,48],"big":[19],"data.":[20],"We":[21],"first":[22],"study":[23,61],"theoretical":[25],"modeling":[26],"classification":[30,75],"using":[32],"XGB":[33,40,65],"algorithm,":[34],"and":[35,74,82],"then":[36],"we":[37],"apply":[38],"model":[41,66],"personal":[44],"loan":[45],"scenario":[46],"open":[50],"data":[51],"set":[52],"from":[53],"Lending":[54],"Club":[55],"Platform":[56],"in":[57,70],"USA.":[58],"The":[59],"empirical":[60],"shows":[62],"that":[63],"has":[67],"obvious":[68],"advantages":[69],"both":[71],"feature":[72],"selection":[73],"performance":[76],"compared":[77],"logistic":[80],"regression":[81],"other":[84],"three":[85],"tree-based":[86],"models.":[87]},"counts_by_year":[{"year":2026,"cited_by_count":7},{"year":2025,"cited_by_count":43},{"year":2024,"cited_by_count":22},{"year":2023,"cited_by_count":40},{"year":2022,"cited_by_count":23},{"year":2021,"cited_by_count":11},{"year":2020,"cited_by_count":3},{"year":2019,"cited_by_count":1}],"updated_date":"2026-07-15T18:14:33.161393","created_date":"2025-10-10T00:00:00"}