{"id":"https://openalex.org/W2989211072","doi":"https://doi.org/10.1145/3357384.3357804","title":"A Dynamic Default Prediction Framework for Networked-guarantee Loans","display_name":"A Dynamic Default Prediction Framework for Networked-guarantee Loans","publication_year":2019,"publication_date":"2019-11-03","ids":{"openalex":"https://openalex.org/W2989211072","doi":"https://doi.org/10.1145/3357384.3357804","mag":"2989211072"},"language":"en","primary_location":{"id":"doi:10.1145/3357384.3357804","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3357384.3357804","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 28th ACM International Conference on Information and Knowledge Management","raw_type":"proceedings-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/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":["Shanghai Jiao Tong University, Shanghai, China"],"affiliations":[{"raw_affiliation_string":"Shanghai Jiao Tong University, Shanghai, China","institution_ids":["https://openalex.org/I183067930"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5100671808","display_name":"Yiyi Zhang","orcid":"https://orcid.org/0000-0001-9180-8512"},"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":"Yiyi Zhang","raw_affiliation_strings":["Shanghai Jiao Tong University, Shanghai, China"],"affiliations":[{"raw_affiliation_string":"Shanghai Jiao Tong University, Shanghai, China","institution_ids":["https://openalex.org/I183067930"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5103021848","display_name":"Fangzhou Yang","orcid":"https://orcid.org/0009-0001-7293-4975"},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Fangzhou Yang","raw_affiliation_strings":["Seek Data Inc., Shanghai, China"],"affiliations":[{"raw_affiliation_string":"Seek Data Inc., Shanghai, China","institution_ids":[]}]},{"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":["Shanghai Jiao Tong University, Shanghai, China"],"affiliations":[{"raw_affiliation_string":"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":["Tianjin University, Tianjin, China"],"affiliations":[{"raw_affiliation_string":"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":["Shanghai Jiao Tong University, Shanghai, China"],"affiliations":[{"raw_affiliation_string":"Shanghai Jiao Tong University, Shanghai, China","institution_ids":["https://openalex.org/I183067930"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":6,"corresponding_author_ids":["https://openalex.org/A5069869295"],"corresponding_institution_ids":["https://openalex.org/I183067930"],"apc_list":null,"apc_paid":null,"fwci":7.3814,"has_fulltext":false,"cited_by_count":34,"citation_normalized_percentile":{"value":0.96865639,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":95,"max":99},"biblio":{"volume":null,"issue":null,"first_page":"2547","last_page":"2555"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9993000030517578,"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":0.9993000030517578,"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/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9955999851226807,"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"}},{"id":"https://openalex.org/T11652","display_name":"Imbalanced Data Classification Techniques","score":0.9750000238418579,"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/default","display_name":"Default","score":0.8803626298904419},{"id":"https://openalex.org/keywords/loan","display_name":"Loan","score":0.7619801759719849},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.6018360257148743},{"id":"https://openalex.org/keywords/dimension","display_name":"Dimension (graph theory)","score":0.5301060676574707},{"id":"https://openalex.org/keywords/non-performing-loan","display_name":"Non-performing loan","score":0.43112173676490784},{"id":"https://openalex.org/keywords/credit-risk","display_name":"Credit risk","score":0.4186418950557709},{"id":"https://openalex.org/keywords/risk-analysis","display_name":"Risk analysis (engineering)","score":0.3717551827430725},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.3476428985595703},{"id":"https://openalex.org/keywords/actuarial-science","display_name":"Actuarial science","score":0.33312705159187317},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.30156710743904114}],"concepts":[{"id":"https://openalex.org/C69637215","wikidata":"https://www.wikidata.org/wiki/Q702362","display_name":"Default","level":2,"score":0.8803626298904419},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.7619801759719849},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.6018360257148743},{"id":"https://openalex.org/C33676613","wikidata":"https://www.wikidata.org/wiki/Q13415176","display_name":"Dimension (graph theory)","level":2,"score":0.5301060676574707},{"id":"https://openalex.org/C71387314","wikidata":"https://www.wikidata.org/wiki/Q494128","display_name":"Non-performing loan","level":3,"score":0.43112173676490784},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.4186418950557709},{"id":"https://openalex.org/C112930515","wikidata":"https://www.wikidata.org/wiki/Q4389547","display_name":"Risk analysis (engineering)","level":1,"score":0.3717551827430725},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.3476428985595703},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.33312705159187317},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.30156710743904114},{"id":"https://openalex.org/C202444582","wikidata":"https://www.wikidata.org/wiki/Q837863","display_name":"Pure mathematics","level":1,"score":0.0},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1145/3357384.3357804","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3357384.3357804","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 28th ACM International Conference on Information and Knowledge Management","raw_type":"proceedings-article"}],"best_oa_location":null,"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/16","score":0.5699999928474426,"display_name":"Peace, Justice and strong institutions"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":26,"referenced_works":["https://openalex.org/W306109848","https://openalex.org/W1788809966","https://openalex.org/W1929275767","https://openalex.org/W1966576448","https://openalex.org/W1970251807","https://openalex.org/W1982120517","https://openalex.org/W2036349451","https://openalex.org/W2088183067","https://openalex.org/W2099615275","https://openalex.org/W2099858350","https://openalex.org/W2154851992","https://openalex.org/W2166520741","https://openalex.org/W2187089797","https://openalex.org/W2475334473","https://openalex.org/W2575006718","https://openalex.org/W2605906643","https://openalex.org/W2795735740","https://openalex.org/W2806878878","https://openalex.org/W2895960267","https://openalex.org/W2946129249","https://openalex.org/W2962756421","https://openalex.org/W2963858333","https://openalex.org/W3101985387","https://openalex.org/W3104097132","https://openalex.org/W3121588992","https://openalex.org/W3122756813"],"related_works":["https://openalex.org/W4385561904","https://openalex.org/W3122155953","https://openalex.org/W3161551118","https://openalex.org/W2768429096","https://openalex.org/W606680577","https://openalex.org/W2612601761","https://openalex.org/W2027347945","https://openalex.org/W3141328971","https://openalex.org/W2782263928","https://openalex.org/W4240002267"],"abstract_inverted_index":{"Commercial":[0],"banks":[1],"normally":[2],"require":[3],"Small":[4],"and":[5,49,53,68,86,124,139,148],"Medium":[6],"Enterprises":[7],"(SMEs)":[8],"to":[9,26,36,93,142,179],"provide":[10],"their":[11],"warranties":[12],"when":[13],"applying":[14],"for":[15,81],"a":[16,31,43,113,136,173],"loan.":[17,29],"If":[18],"the":[19,22,60,83,87,101,108,145,158,183,186],"borrower":[20],"defaults,":[21],"guarantor":[23],"is":[24,34,75],"obligated":[25],"repay":[27],"its":[28,181],"Such":[30],"guarantee":[32],"system":[33,178],"designed":[35],"reduce":[37],"delinquent":[38],"risks,":[39],"but":[40],"may":[41],"introduce":[42],"new":[44],"dimension":[45],"risk":[46,164,176],"if":[47],"more":[48,50],"SMEs":[51,64],"involve":[52],"subsequently":[54],"form":[55],"complex":[56],"temporal":[57,121],"networks.":[58],"Monitoring":[59],"financial":[61],"status":[62],"of":[63,78,103,188],"in":[65,96,107,128,172],"these":[66],"networks,":[67],"preventing":[69],"or":[70],"reducing":[71],"systematic":[72],"loan":[73,125,146,175],"risk,":[74],"an":[76,129],"area":[77],"great":[79],"concern":[80],"both":[82,144],"regulatory":[84],"commission":[85],"banks.":[88],"To":[89],"allow":[90],"possible":[91],"actions":[92],"be":[94],"taken":[95],"advance,":[97],"this":[98],"paper":[99],"studies":[100],"problem":[102],"predicting":[104],"repayment":[105],"delinquency":[106],"networked-guarantee":[109],"loans.":[110],"We":[111],"propose":[112],"dynamic":[114],"default":[115],"prediction":[116],"framework":[117],"(DDPF),":[118],"which":[119,161],"preserves":[120],"network":[122,149],"structures":[123],"behavior":[126,147],"sequences":[127],"end-to-end":[130],"model.":[131],"In":[132],"particular,":[133],"we":[134,152,168],"design":[135],"gated":[137],"recursive":[138],"attention":[140],"mechanism":[141],"integrate":[143],"information.":[150],"Then,":[151],"uncover":[153],"risky":[154],"warrant":[155],"patterns":[156],"by":[157],"learned":[159],"weights,":[160],"effectively":[162],"accelerate":[163],"evaluation":[165],"process.":[166],"Finally,":[167],"conduct":[169],"extensive":[170],"experiments":[171],"real-world":[174],"control":[177],"evaluate":[180],"performance,":[182],"results":[184],"demonstrate":[185],"effectiveness":[187],"our":[189],"proposed":[190],"approach":[191],"compared":[192],"with":[193],"state-of-the-art":[194],"baselines.":[195]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":4},{"year":2024,"cited_by_count":5},{"year":2023,"cited_by_count":7},{"year":2022,"cited_by_count":6},{"year":2021,"cited_by_count":3},{"year":2020,"cited_by_count":8}],"updated_date":"2025-11-06T03:46:38.306776","created_date":"2025-10-10T00:00:00"}
