{"id":"https://openalex.org/W4361790889","doi":"https://doi.org/10.1145/3577530.3577588","title":"Credit Risk Models using Rule-Based Methods and Machine-Learning Algorithms","display_name":"Credit Risk Models using Rule-Based Methods and Machine-Learning Algorithms","publication_year":2022,"publication_date":"2022-12-09","ids":{"openalex":"https://openalex.org/W4361790889","doi":"https://doi.org/10.1145/3577530.3577588"},"language":"en","primary_location":{"id":"doi:10.1145/3577530.3577588","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3577530.3577588","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 2022 6th International Conference on Computer Science and Artificial Intelligence","raw_type":"proceedings-article"},"type":"conference-paper","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/A5013326627","display_name":"Maohong Tian","orcid":"https://orcid.org/0000-0002-4196-3044"},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Maohong Tian","raw_affiliation_strings":["Department of Software Engineering and Artificial Intelligence, ChongQing Institute of Engineering, China"],"raw_orcid":"https://orcid.org/0000-0002-4196-3044","affiliations":[{"raw_affiliation_string":"Department of Software Engineering and Artificial Intelligence, ChongQing Institute of Engineering, China","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5083232624","display_name":"Hualin Li","orcid":"https://orcid.org/0000-0001-9536-3477"},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Hualin Li","raw_affiliation_strings":["Department of Software Engineering and Artificial Intelligence, ChongQing Institute of Engineering, China"],"raw_orcid":"https://orcid.org/0000-0001-9536-3477","affiliations":[{"raw_affiliation_string":"Department of Software Engineering and Artificial Intelligence, ChongQing Institute of Engineering, China","institution_ids":[]}]},{"author_position":"middle","author":{"id":null,"display_name":"Jing Huang","orcid":"https://orcid.org/0000-0002-8998-8718"},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Jing Huang","raw_affiliation_strings":["Department of Software Engineering and Artificial Intelligence, Shu Yi Xin Credit Management Co,LTD, China"],"raw_orcid":"https://orcid.org/0000-0002-8998-8718","affiliations":[{"raw_affiliation_string":"Department of Software Engineering and Artificial Intelligence, Shu Yi Xin Credit Management Co,LTD, China","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5008889422","display_name":"Jian Liang","orcid":"https://orcid.org/0000-0002-5648-541X"},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Jian Liang","raw_affiliation_strings":["Department of Software Engineering and Artificial Intelligence, ChongQing Institute of Engineering, China"],"raw_orcid":"https://orcid.org/0000-0002-5648-541X","affiliations":[{"raw_affiliation_string":"Department of Software Engineering and Artificial Intelligence, ChongQing Institute of Engineering, China","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5025523361","display_name":"Wenbin Bu","orcid":null},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Wenbin Bu","raw_affiliation_strings":["Department of Software Engineering and Artificial Intelligence, Shu Yi Xin Credit Management Co,LTD, China"],"raw_orcid":"https://orcid.org/0000-0003-1381-4110","affiliations":[{"raw_affiliation_string":"Department of Software Engineering and Artificial Intelligence, Shu Yi Xin Credit Management Co,LTD, China","institution_ids":[]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5046924984","display_name":"Bingling Chen","orcid":"https://orcid.org/0000-0002-5333-611X"},"institutions":[{"id":"https://openalex.org/I4210103346","display_name":"Nanfang Hospital","ror":"https://ror.org/01eq10738","country_code":"CN","type":"healthcare","lineage":["https://openalex.org/I4210103346"]},{"id":"https://openalex.org/I4400600959","display_name":"Nanfang College Guangzhou","ror":"https://ror.org/04vrxqg89","country_code":null,"type":"education","lineage":["https://openalex.org/I4400600959"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Bingling Chen","raw_affiliation_strings":["Department of Big Data Artificial Intelligence, Nanfang College Guangzhou, China"],"raw_orcid":"https://orcid.org/0000-0002-5333-611X","affiliations":[{"raw_affiliation_string":"Department of Big Data Artificial Intelligence, Nanfang College Guangzhou, China","institution_ids":["https://openalex.org/I4210103346","https://openalex.org/I4400600959"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":8,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":"203","last_page":"209"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9905999898910522,"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":0.9905999898910522,"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/T11326","display_name":"Stock Market Forecasting Methods","score":0.9491000175476074,"subfield":{"id":"https://openalex.org/subfields/1803","display_name":"Management Science and Operations Research"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10282","display_name":"Financial Risk and Volatility Modeling","score":0.9316999912261963,"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/machine-learning","display_name":"Machine learning","score":0.6738916039466858},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.6716695427894592},{"id":"https://openalex.org/keywords/default","display_name":"Default","score":0.5759732723236084},{"id":"https://openalex.org/keywords/credit-risk","display_name":"Credit risk","score":0.5555065870285034},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.5198127031326294},{"id":"https://openalex.org/keywords/big-data","display_name":"Big data","score":0.4414740800857544},{"id":"https://openalex.org/keywords/construct","display_name":"Construct (python library)","score":0.4273519217967987},{"id":"https://openalex.org/keywords/customer-base","display_name":"Customer base","score":0.41594773530960083},{"id":"https://openalex.org/keywords/algorithm","display_name":"Algorithm","score":0.3585895001888275},{"id":"https://openalex.org/keywords/data-mining","display_name":"Data mining","score":0.29358482360839844},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.25801151990890503},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.2291950285434723}],"concepts":[{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.6738916039466858},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.6716695427894592},{"id":"https://openalex.org/C69637215","wikidata":"https://www.wikidata.org/wiki/Q702362","display_name":"Default","level":2,"score":0.5759732723236084},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.5555065870285034},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.5198127031326294},{"id":"https://openalex.org/C75684735","wikidata":"https://www.wikidata.org/wiki/Q858810","display_name":"Big data","level":2,"score":0.4414740800857544},{"id":"https://openalex.org/C2780801425","wikidata":"https://www.wikidata.org/wiki/Q5164392","display_name":"Construct (python library)","level":2,"score":0.4273519217967987},{"id":"https://openalex.org/C2777276756","wikidata":"https://www.wikidata.org/wiki/Q5196446","display_name":"Customer base","level":2,"score":0.41594773530960083},{"id":"https://openalex.org/C11413529","wikidata":"https://www.wikidata.org/wiki/Q8366","display_name":"Algorithm","level":1,"score":0.3585895001888275},{"id":"https://openalex.org/C124101348","wikidata":"https://www.wikidata.org/wiki/Q172491","display_name":"Data mining","level":1,"score":0.29358482360839844},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.25801151990890503},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.2291950285434723},{"id":"https://openalex.org/C199360897","wikidata":"https://www.wikidata.org/wiki/Q9143","display_name":"Programming language","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1145/3577530.3577588","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3577530.3577588","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 2022 6th International Conference on Computer Science and Artificial Intelligence","raw_type":"proceedings-article"}],"best_oa_location":null,"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/8","score":0.5099999904632568,"display_name":"Decent work and economic growth"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":10,"referenced_works":["https://openalex.org/W2034960640","https://openalex.org/W2290380888","https://openalex.org/W2801490189","https://openalex.org/W2801958627","https://openalex.org/W2807319534","https://openalex.org/W3157039972","https://openalex.org/W3208971898","https://openalex.org/W4230308150","https://openalex.org/W4236362309","https://openalex.org/W4250042253"],"related_works":["https://openalex.org/W2366107444","https://openalex.org/W3111031756","https://openalex.org/W4388409052","https://openalex.org/W1532293414","https://openalex.org/W3124386825","https://openalex.org/W4388145910","https://openalex.org/W1976205134","https://openalex.org/W2742773638","https://openalex.org/W3164703356","https://openalex.org/W2381570729"],"abstract_inverted_index":{"This":[0],"study":[1],"applies":[2],"machine-learning":[3],"techniques":[4],"and":[5,17,27,57,60,71],"rule-based":[6],"methods":[7],"to":[8,13,32],"construct":[9],"nonlinear":[10],"nonparametric":[11],"models":[12],"forecast":[14],"retail":[15],"consumer":[16,105],"medium-sized":[18],"enterprises":[19],"(SMEs)":[20],"credit":[21,72,84,106],"risk.":[22],"By":[23],"combining":[24],"customer":[25,56],"transactions":[26],"enterprise":[28,58],"data":[29,113],"from":[30,35,111],"2018":[31],"2020":[33],"sampled":[34],"a":[36],"major":[37],"business":[38],"district":[39],"in":[40,91],"the":[41,52,63,67],"People\u2019s":[42],"Republic":[43],"of":[44,55,66],"China,":[45],"forecasts":[46],"were":[47],"constructed":[48],"that":[49,82,107],"significantly":[50],"improved":[51],"classification":[53],"rates":[54,70],"delinquencies":[59],"defaults.":[61],"Moreover,":[62],"time-series":[64],"patterns":[65],"estimated":[68],"delinquency":[69],"scores":[73],"over":[74],"multiple":[75],"dimensions":[76],"produced":[77],"by":[78],"this":[79],"model":[80],"suggest":[81],"aggregated":[83],"risk":[85],"analytics":[86],"may":[87],"have":[88],"important":[89],"applications":[90],"forecasting":[92],"systemic":[93],"risk,":[94],"which":[95],"might":[96],"shed":[97],"some":[98],"light":[99],"on":[100],"obtaining":[101],"prospective":[102],"insights":[103],"regarding":[104],"can":[108],"be":[109],"gleaned":[110],"historical":[112],"especially":[114],"pandemic":[115],"period.":[116]},"counts_by_year":[{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":4},{"year":2023,"cited_by_count":3}],"updated_date":"2026-07-14T23:27:15.235271","created_date":"2025-10-10T00:00:00"}