{"id":"https://openalex.org/W3092550372","doi":"https://doi.org/10.1109/tnnls.2020.3027346","title":"Delinquent Events Prediction in Temporal Networked-Guarantee Loans","display_name":"Delinquent Events Prediction in Temporal Networked-Guarantee Loans","publication_year":2020,"publication_date":"2020-10-13","ids":{"openalex":"https://openalex.org/W3092550372","doi":"https://doi.org/10.1109/tnnls.2020.3027346","mag":"3092550372","pmid":"https://pubmed.ncbi.nlm.nih.gov/33048760"},"language":"en","primary_location":{"id":"doi:10.1109/tnnls.2020.3027346","is_oa":false,"landing_page_url":"https://doi.org/10.1109/tnnls.2020.3027346","pdf_url":null,"source":{"id":"https://openalex.org/S4210175523","display_name":"IEEE Transactions on Neural Networks and Learning Systems","issn_l":"2162-237X","issn":["2162-237X","2162-2388"],"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 Transactions on Neural Networks and Learning Systems","raw_type":"journal-article"},"type":"article","indexed_in":["crossref","pubmed"],"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/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":false,"raw_author_name":"Dawei Cheng","raw_affiliation_strings":["Department of Computer Science and Engineering, Shanghai Jiao Tong University, Shanghai, China"],"raw_orcid":"https://orcid.org/0000-0002-5877-7387","affiliations":[{"raw_affiliation_string":"Department of Computer Science and Engineering, Shanghai Jiao Tong University, Shanghai, 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":["College of Intelligence and Computing, Tianjin University, Tianjin, China"],"raw_orcid":"https://orcid.org/0000-0002-5171-7648","affiliations":[{"raw_affiliation_string":"College of Intelligence and Computing, Tianjin University, Tianjin, China","institution_ids":["https://openalex.org/I162868743"]}]},{"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, Shanghai, China"],"raw_orcid":"https://orcid.org/0000-0001-7597-8503","affiliations":[{"raw_affiliation_string":"Department of Computer Science and Engineering, Shanghai Jiao Tong University, Shanghai, China","institution_ids":["https://openalex.org/I183067930"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":6.4674,"has_fulltext":false,"cited_by_count":37,"citation_normalized_percentile":{"value":0.96432409,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":89,"max":99},"biblio":{"volume":"34","issue":"4","first_page":"1692","last_page":"1704"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9937000274658203,"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":0.9937000274658203,"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/T13702","display_name":"Machine Learning in Healthcare","score":0.9732999801635742,"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/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9690999984741211,"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/loan","display_name":"Loan","score":0.645950198173523},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.5635266900062561},{"id":"https://openalex.org/keywords/financial-networks","display_name":"Financial networks","score":0.538821816444397},{"id":"https://openalex.org/keywords/financial-crisis","display_name":"Financial crisis","score":0.4263293147087097},{"id":"https://openalex.org/keywords/debt","display_name":"Debt","score":0.41745468974113464},{"id":"https://openalex.org/keywords/systemic-risk","display_name":"Systemic risk","score":0.4111570715904236},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.310671329498291},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.31010138988494873},{"id":"https://openalex.org/keywords/economics","display_name":"Economics","score":0.11808282136917114}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.645950198173523},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.5635266900062561},{"id":"https://openalex.org/C2776760741","wikidata":"https://www.wikidata.org/wiki/Q25325235","display_name":"Financial networks","level":4,"score":0.538821816444397},{"id":"https://openalex.org/C2778300220","wikidata":"https://www.wikidata.org/wiki/Q114380","display_name":"Financial crisis","level":2,"score":0.4263293147087097},{"id":"https://openalex.org/C120527767","wikidata":"https://www.wikidata.org/wiki/Q3196867","display_name":"Debt","level":2,"score":0.41745468974113464},{"id":"https://openalex.org/C144587487","wikidata":"https://www.wikidata.org/wiki/Q1369234","display_name":"Systemic risk","level":3,"score":0.4111570715904236},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.310671329498291},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.31010138988494873},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.11808282136917114},{"id":"https://openalex.org/C139719470","wikidata":"https://www.wikidata.org/wiki/Q39680","display_name":"Macroeconomics","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1109/tnnls.2020.3027346","is_oa":false,"landing_page_url":"https://doi.org/10.1109/tnnls.2020.3027346","pdf_url":null,"source":{"id":"https://openalex.org/S4210175523","display_name":"IEEE Transactions on Neural Networks and Learning Systems","issn_l":"2162-237X","issn":["2162-237X","2162-2388"],"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 Transactions on Neural Networks and Learning Systems","raw_type":"journal-article"},{"id":"pmid:33048760","is_oa":false,"landing_page_url":"https://pubmed.ncbi.nlm.nih.gov/33048760","pdf_url":null,"source":{"id":"https://openalex.org/S4306525036","display_name":"PubMed","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I1299303238","host_organization_name":"National Institutes of Health","host_organization_lineage":["https://openalex.org/I1299303238"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IEEE transactions on neural networks and learning systems","raw_type":null}],"best_oa_location":null,"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/16","display_name":"Peace, Justice and strong institutions","score":0.6100000143051147}],"awards":[{"id":"https://openalex.org/G4118779427","display_name":null,"funder_award_id":"2018AAA0100704","funder_id":"https://openalex.org/F4320335777","funder_display_name":"National Key Research and Development Program of China"},{"id":"https://openalex.org/G4619753443","display_name":null,"funder_award_id":"2019M651499","funder_id":"https://openalex.org/F4320321543","funder_display_name":"China Postdoctoral Science Foundation"}],"funders":[{"id":"https://openalex.org/F4320321543","display_name":"China Postdoctoral Science Foundation","ror":"https://ror.org/0426zh255"},{"id":"https://openalex.org/F4320335777","display_name":"National Key Research and Development Program of China","ror":null}],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":45,"referenced_works":["https://openalex.org/W306109848","https://openalex.org/W1966576448","https://openalex.org/W1982120517","https://openalex.org/W2036349451","https://openalex.org/W2060300932","https://openalex.org/W2071333487","https://openalex.org/W2098509290","https://openalex.org/W2099858350","https://openalex.org/W2119024016","https://openalex.org/W2154851992","https://openalex.org/W2291647668","https://openalex.org/W2475334473","https://openalex.org/W2575006718","https://openalex.org/W2605906643","https://openalex.org/W2787468747","https://openalex.org/W2795735740","https://openalex.org/W2796510373","https://openalex.org/W2803718882","https://openalex.org/W2806878878","https://openalex.org/W2807021761","https://openalex.org/W2895960267","https://openalex.org/W2896118970","https://openalex.org/W2902018400","https://openalex.org/W2955358753","https://openalex.org/W2962756421","https://openalex.org/W2962810718","https://openalex.org/W2962946486","https://openalex.org/W2963184176","https://openalex.org/W2964305932","https://openalex.org/W2965683718","https://openalex.org/W2982515679","https://openalex.org/W2988887373","https://openalex.org/W2989211072","https://openalex.org/W3032007850","https://openalex.org/W3033991488","https://openalex.org/W3100848837","https://openalex.org/W3101985387","https://openalex.org/W3104097132","https://openalex.org/W3105235181","https://openalex.org/W3173725123","https://openalex.org/W4236220313","https://openalex.org/W6628546715","https://openalex.org/W6631190155","https://openalex.org/W6638443938","https://openalex.org/W6745537798"],"related_works":["https://openalex.org/W2599297339","https://openalex.org/W4296850722","https://openalex.org/W2991205285","https://openalex.org/W3013479509","https://openalex.org/W2582357226","https://openalex.org/W3142757135","https://openalex.org/W3041131995","https://openalex.org/W3093355452","https://openalex.org/W3124067790","https://openalex.org/W4298253004"],"abstract_inverted_index":{"Under":[0],"debt":[1],"obligation":[2],"promises,":[3],"small-":[4],"and":[5,53,65,93,121,138,162,194,202,277],"medium-sized":[6],"enterprises":[7],"(SMEs)":[8],"can":[9],"guarantee":[10,63,76,187,215],"each":[11,272],"other":[12],"to":[13,18,34,78,117,179,197,212,235],"enhance":[14],"their":[15],"financial":[16,70,83],"security":[17],"get":[19],"loans":[20],"from":[21,141],"commercial":[22,95],"banks.":[23,96],"When":[24],"the":[25,28,32,43,62,75,86,90,94,101,181,220,242,250,256,268,275,280],"economy":[26,44],"rises,":[27],"banks":[29],"may":[30,38,59,66],"reduce":[31],"threshold":[33],"some":[35],"extent,":[36],"which":[37],"introduce":[39],"default":[40],"risk":[41,58,84,221,263],"during":[42],"down":[45],"period,":[46],"especially":[47],"when":[48],"many":[49],"SMEs":[50],"bind":[51],"together":[52],"form":[54],"complex":[55],"networks.":[56,125,143,188],"The":[57,126,206,239],"diffuse":[60],"across":[61],"network":[64,77,160,203],"result":[67],"in":[68,124,135,166,185,229,259],"a":[69,150,175,192,230,260],"crisis.":[71],"Macroprudential":[72],"oversight":[73],"of":[74,89,104,183,244,271,274],"eliminate":[79],"any":[80],"potential":[81],"systematics":[82],"is":[85],"central":[87],"task":[88],"regulatory":[91],"commission":[92],"Based":[97],"on":[98,110],"our":[99,245],"observation,":[100],"delinquent":[102,152],"probability":[103],"an":[105,167],"SME":[106],"depends":[107],"not":[108],"only":[109],"self-financial":[111],"status":[112],"but":[113],"also":[114],"highly":[115],"related":[116],"its":[118,237],"temporal":[119,137,151,159,186],"behaviors":[120],"structural":[122,139],"position":[123],"classic":[127],"approach":[128,247],"for":[129],"loan":[130,262],"assessment":[131,222],"criteria":[132],"face":[133],"challenges":[134],"extracting":[136],"patterns":[140,216],"dynamic":[142],"To":[144],"address":[145],"these":[146],"issues,":[147],"we":[148,172,225,254],"propose":[149],"event":[153],"prediction":[154],"(TDEP)":[155],"framework":[156],"that":[157,217],"preserves":[158],"structures":[161],"credit":[163,200],"behavior":[164,201],"sequences":[165],"end-to-end":[168],"model.":[169],"In":[170],"particular,":[171],"first":[173],"employ":[174],"graph":[176],"attention":[177],"layer":[178],"learn":[180],"representation":[182],"nodes":[184],"We":[189,266],"then":[190],"design":[191],"recursive":[193],"self-attention":[195],"mechanism":[196],"integrate":[198,255],"both":[199],"structure":[204],"information.":[205],"learned":[207],"attentional":[208],"weights":[209],"are":[210],"leveraged":[211],"uncover":[213],"high-risk":[214],"effectively":[218],"accelerate":[219],"process.":[223],"Afterward,":[224],"conduct":[226],"extensive":[227],"experiments":[228],"real-world":[231,261],"guaranteed-loan":[232],"data":[233],"set":[234],"evaluate":[236],"performance.":[238],"results":[240],"show":[241],"effectiveness":[243],"proposed":[246,257],"compared":[248],"with":[249],"state-of-the-art":[251],"baselines.":[252],"Finally,":[253],"model":[258],"management":[264],"system.":[265],"present":[267],"implementation":[269],"details":[270],"subcomponent":[273],"system":[276],"report":[278],"out":[279],"performance":[281],"after":[282],"online":[283],"deployment.":[284]},"counts_by_year":[{"year":2026,"cited_by_count":4},{"year":2025,"cited_by_count":7},{"year":2024,"cited_by_count":5},{"year":2023,"cited_by_count":4},{"year":2022,"cited_by_count":6},{"year":2021,"cited_by_count":9},{"year":2020,"cited_by_count":1},{"year":2019,"cited_by_count":1}],"updated_date":"2025-11-06T03:46:38.306776","created_date":"2025-10-10T00:00:00"}