{"id":"https://openalex.org/W4323854295","doi":"https://doi.org/10.1142/s0218126623502560","title":"An Ensemble Learning Method Based on One-Class and Binary Classification for Credit Scoring","display_name":"An Ensemble Learning Method Based on One-Class and Binary Classification for Credit Scoring","publication_year":2023,"publication_date":"2023-03-10","ids":{"openalex":"https://openalex.org/W4323854295","doi":"https://doi.org/10.1142/s0218126623502560"},"language":"en","primary_location":{"id":"doi:10.1142/s0218126623502560","is_oa":false,"landing_page_url":"http://dx.doi.org/10.1142/s0218126623502560","pdf_url":null,"source":{"id":"https://openalex.org/S167602672","display_name":"Journal of Circuits Systems and Computers","issn_l":"0218-1266","issn":["0218-1266","1793-6454"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319815","host_organization_name":"World Scientific","host_organization_lineage":["https://openalex.org/P4310319815"],"host_organization_lineage_names":["World Scientific"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Circuits, Systems and Computers","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/A5066080015","display_name":"Zaimei Zhang","orcid":null},"institutions":[{"id":"https://openalex.org/I56934997","display_name":"Changsha University of Science and Technology","ror":"https://ror.org/03yph8055","country_code":"CN","type":"education","lineage":["https://openalex.org/I56934997"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Zaimei Zhang","raw_affiliation_strings":["School of Economics and Management, Changsha University of Science and Technology, Changsha, Hunan, P. R. China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Economics and Management, Changsha University of Science and Technology, Changsha, Hunan, P. R. China","institution_ids":["https://openalex.org/I56934997"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5101893134","display_name":"Yu-Jie Yuan","orcid":"https://orcid.org/0000-0001-5646-6211"},"institutions":[{"id":"https://openalex.org/I16609230","display_name":"Hunan University","ror":"https://ror.org/05htk5m33","country_code":"CN","type":"education","lineage":["https://openalex.org/I16609230"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Yujie Yuan","raw_affiliation_strings":["College of Computer Science and Electronic, Engineering, Hunan University, Changsha, Hunan, P. R. China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"College of Computer Science and Electronic, Engineering, Hunan University, Changsha, Hunan, P. R. China","institution_ids":["https://openalex.org/I16609230"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5008561380","display_name":"Yan Liu","orcid":"https://orcid.org/0000-0003-1849-6991"},"institutions":[{"id":"https://openalex.org/I16609230","display_name":"Hunan University","ror":"https://ror.org/05htk5m33","country_code":"CN","type":"education","lineage":["https://openalex.org/I16609230"]}],"countries":["CN"],"is_corresponding":true,"raw_author_name":"Yan Liu","raw_affiliation_strings":["College of Computer Science and Electronic, Engineering, Hunan University, Changsha, Hunan, P. R. China"],"raw_orcid":"https://orcid.org/0000-0003-1849-6991","affiliations":[{"raw_affiliation_string":"College of Computer Science and Electronic, Engineering, Hunan University, Changsha, Hunan, P. R. China","institution_ids":["https://openalex.org/I16609230"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5008561380"],"corresponding_institution_ids":["https://openalex.org/I16609230"],"apc_list":null,"apc_paid":null,"fwci":0.4305,"has_fulltext":false,"cited_by_count":1,"citation_normalized_percentile":{"value":0.61783152,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":94,"max":97},"biblio":{"volume":"32","issue":"15","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9995999932289124,"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":0.9995999932289124,"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":0.9993000030517578,"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/T11396","display_name":"Artificial Intelligence in Healthcare","score":0.9128999710083008,"subfield":{"id":"https://openalex.org/subfields/3605","display_name":"Health Information Management"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/undersampling","display_name":"Undersampling","score":0.9153318405151367},{"id":"https://openalex.org/keywords/class","display_name":"Class (philosophy)","score":0.6828608512878418},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.6816938519477844},{"id":"https://openalex.org/keywords/loan","display_name":"Loan","score":0.671326220035553},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.6509385108947754},{"id":"https://openalex.org/keywords/binary-classification","display_name":"Binary classification","score":0.6312877535820007},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.6158308386802673},{"id":"https://openalex.org/keywords/binary-number","display_name":"Binary number","score":0.5390289425849915},{"id":"https://openalex.org/keywords/ensemble-learning","display_name":"Ensemble learning","score":0.42774730920791626},{"id":"https://openalex.org/keywords/support-vector-machine","display_name":"Support vector machine","score":0.3845369517803192},{"id":"https://openalex.org/keywords/data-mining","display_name":"Data mining","score":0.35095277428627014},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.2141333818435669},{"id":"https://openalex.org/keywords/mathematics","display_name":"Mathematics","score":0.15598231554031372},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.0682525634765625}],"concepts":[{"id":"https://openalex.org/C136536468","wikidata":"https://www.wikidata.org/wiki/Q1225894","display_name":"Undersampling","level":2,"score":0.9153318405151367},{"id":"https://openalex.org/C2777212361","wikidata":"https://www.wikidata.org/wiki/Q5127848","display_name":"Class (philosophy)","level":2,"score":0.6828608512878418},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.6816938519477844},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.671326220035553},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.6509385108947754},{"id":"https://openalex.org/C66905080","wikidata":"https://www.wikidata.org/wiki/Q17005494","display_name":"Binary classification","level":3,"score":0.6312877535820007},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.6158308386802673},{"id":"https://openalex.org/C48372109","wikidata":"https://www.wikidata.org/wiki/Q3913","display_name":"Binary number","level":2,"score":0.5390289425849915},{"id":"https://openalex.org/C45942800","wikidata":"https://www.wikidata.org/wiki/Q245652","display_name":"Ensemble learning","level":2,"score":0.42774730920791626},{"id":"https://openalex.org/C12267149","wikidata":"https://www.wikidata.org/wiki/Q282453","display_name":"Support vector machine","level":2,"score":0.3845369517803192},{"id":"https://openalex.org/C124101348","wikidata":"https://www.wikidata.org/wiki/Q172491","display_name":"Data mining","level":1,"score":0.35095277428627014},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.2141333818435669},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.15598231554031372},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.0682525634765625},{"id":"https://openalex.org/C94375191","wikidata":"https://www.wikidata.org/wiki/Q11205","display_name":"Arithmetic","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1142/s0218126623502560","is_oa":false,"landing_page_url":"http://dx.doi.org/10.1142/s0218126623502560","pdf_url":null,"source":{"id":"https://openalex.org/S167602672","display_name":"Journal of Circuits Systems and Computers","issn_l":"0218-1266","issn":["0218-1266","1793-6454"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319815","host_organization_name":"World Scientific","host_organization_lineage":["https://openalex.org/P4310319815"],"host_organization_lineage_names":["World Scientific"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Circuits, Systems and Computers","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[{"score":0.6000000238418579,"id":"https://metadata.un.org/sdg/8","display_name":"Decent work and economic growth"}],"awards":[{"id":"https://openalex.org/G4633592178","display_name":null,"funder_award_id":"2021JJ30742","funder_id":"https://openalex.org/F4320322843","funder_display_name":"Natural Science Foundation of\u00a0Hunan Province"},{"id":"https://openalex.org/G5518270628","display_name":null,"funder_award_id":"61702053","funder_id":"https://openalex.org/F4320321001","funder_display_name":"National Natural Science Foundation of China"},{"id":"https://openalex.org/G8527691056","display_name":"\u5f02\u6784\u591a\u6838\u5904\u7406\u5668\u7cfb\u7edf\u8ba1\u7b97\u4e0e\u5185\u5b58\u534f\u540c\u8c03\u5ea6\u7814\u7a76","funder_award_id":"61872135","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"},{"id":"https://openalex.org/F4320322843","display_name":"Natural Science Foundation of\u00a0Hunan Province","ror":null}],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":31,"referenced_works":["https://openalex.org/W1663837557","https://openalex.org/W1966780919","https://openalex.org/W1968023063","https://openalex.org/W1970772238","https://openalex.org/W1982120517","https://openalex.org/W2023299139","https://openalex.org/W2033110225","https://openalex.org/W2060462435","https://openalex.org/W2116702209","https://openalex.org/W2131816657","https://openalex.org/W2132870739","https://openalex.org/W2148143831","https://openalex.org/W2336505047","https://openalex.org/W2546894728","https://openalex.org/W2585770658","https://openalex.org/W2700766797","https://openalex.org/W2751084232","https://openalex.org/W2761075141","https://openalex.org/W2766296277","https://openalex.org/W2783336591","https://openalex.org/W2802240654","https://openalex.org/W2806874609","https://openalex.org/W2917459525","https://openalex.org/W2963186039","https://openalex.org/W2963596856","https://openalex.org/W2972614519","https://openalex.org/W3000057629","https://openalex.org/W3031799599","https://openalex.org/W3193930202","https://openalex.org/W3205154884","https://openalex.org/W4297957988"],"related_works":["https://openalex.org/W2747895175","https://openalex.org/W4297857039","https://openalex.org/W2614669534","https://openalex.org/W2123014508","https://openalex.org/W2104406636","https://openalex.org/W2741028958","https://openalex.org/W2105512057","https://openalex.org/W4252625449","https://openalex.org/W2115788596","https://openalex.org/W4387784741"],"abstract_inverted_index":{"It":[0],"is":[1,33,107,184],"crucial":[2],"to":[3,50,108,152,178],"correctly":[4],"assess":[5],"whether":[6],"a":[7,24,67],"potential":[8],"borrower":[9],"can":[10],"repay":[11],"the":[12,15,29,37,52,61,70,75,78,110,114,119,125,136,149,154,158,162,168,187,206],"loan":[13,21],"in":[14,77,141,164],"credit":[16,20,103,142],"scoring":[17],"model.":[18],"The":[19,105,181,194],"data":[22,26,46,151],"has":[23,200],"serious":[25],"imbalance":[27,47],"because":[28],"number":[30],"of":[31,55,63,81,113,121,124,157,167,189],"defaulters":[32],"far":[34],"less":[35],"than":[36],"nondefaulters.":[38],"However,":[39],"most":[40],"current":[41],"methods":[42],"for":[43,102,135],"dealing":[44],"with":[45,205],"are":[48],"designed":[49],"improve":[51,109,153],"classification":[53,79,100,111,122,155,165,177,182],"performance":[54,62,80,166,203],"minority":[56,115],"data,":[57],"which":[58],"will":[59],"reduce":[60],"majority":[64,126,137,169],"data.":[65],"For":[66],"financial":[68],"institution,":[69],"economic":[71],"loss":[72,120],"caused":[73],"by":[74,186],"decrease":[76],"nondefaulters":[82],"(majority":[83],"data)":[84],"cannot":[85],"be":[86],"ignored.":[87],"This":[88],"paper":[89],"proposes":[90],"an":[91],"ensemble":[92],"learning":[93,147],"method":[94],"based":[95],"on":[96,148],"one-class":[97,173,190],"and":[98,144,174,191],"binary":[99,175],"(EMOBC)":[101],"scoring.":[104],"purpose":[106],"accuracy":[112,123,156],"class":[116,127,138],"while":[117],"mitigating":[118],"as":[128,130],"much":[129],"possible.":[131],"EMOBC":[132,171,199],"uses":[133,172],"undersampling":[134],"(nondefault":[139],"samples":[140],"scoring)":[143],"perform":[145],"binary-class":[146,192],"balanced":[150],"minority.":[159],"To":[160],"alleviate":[161],"decline":[163],"class,":[170],"collaborative":[176],"train":[179],"classifiers.":[180,193],"result":[183],"determined":[185],"average":[188],"experimental":[195],"results":[196],"show":[197],"that":[198],"good":[201],"comprehensive":[202],"compared":[204],"existing":[207],"methods.":[208]},"counts_by_year":[{"year":2026,"cited_by_count":1}],"updated_date":"2026-05-21T06:26:12.895304","created_date":"2025-10-10T00:00:00"}