{"id":"https://openalex.org/W3033770312","doi":"https://doi.org/10.1155/2020/2394948","title":"Credit Risk Assessment for Small and Microsized Enterprises Using Kernel Feature Selection-Based Multiple Criteria Linear Optimization Classifier: Evidence from China","display_name":"Credit Risk Assessment for Small and Microsized Enterprises Using Kernel Feature Selection-Based Multiple Criteria Linear Optimization Classifier: Evidence from China","publication_year":2020,"publication_date":"2020-06-08","ids":{"openalex":"https://openalex.org/W3033770312","doi":"https://doi.org/10.1155/2020/2394948","mag":"3033770312"},"language":"en","primary_location":{"id":"doi:10.1155/2020/2394948","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2020/2394948","pdf_url":"https://downloads.hindawi.com/journals/complexity/2020/2394948.pdf","source":{"id":"https://openalex.org/S207319443","display_name":"Complexity","issn_l":"1076-2787","issn":["1076-2787","1099-0526"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310319869","host_organization_name":"Hindawi Publishing Corporation","host_organization_lineage":["https://openalex.org/P4310319869"],"host_organization_lineage_names":["Hindawi Publishing Corporation"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Complexity","raw_type":"journal-article"},"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://downloads.hindawi.com/journals/complexity/2020/2394948.pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5100645421","display_name":"Yimeng Wang","orcid":"https://orcid.org/0000-0002-1394-6730"},"institutions":[{"id":"https://openalex.org/I137867983","display_name":"Central University of Finance and Economics","ror":"https://ror.org/008e3hf02","country_code":"CN","type":"education","lineage":["https://openalex.org/I137867983"]}],"countries":["CN"],"is_corresponding":true,"raw_author_name":"Yimeng Wang","raw_affiliation_strings":["Business School, Central University of Finance and Economics, Beijing 100089, China"],"affiliations":[{"raw_affiliation_string":"Business School, Central University of Finance and Economics, Beijing 100089, China","institution_ids":["https://openalex.org/I137867983"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5100683911","display_name":"Yunqi Zhang","orcid":"https://orcid.org/0000-0001-7595-5504"},"institutions":[{"id":"https://openalex.org/I137867983","display_name":"Central University of Finance and Economics","ror":"https://ror.org/008e3hf02","country_code":"CN","type":"education","lineage":["https://openalex.org/I137867983"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Yunqi Zhang","raw_affiliation_strings":["Business School, Central University of Finance and Economics, Beijing 100089, China"],"affiliations":[{"raw_affiliation_string":"Business School, Central University of Finance and Economics, Beijing 100089, China","institution_ids":["https://openalex.org/I137867983"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5100645421"],"corresponding_institution_ids":["https://openalex.org/I137867983"],"apc_list":{"value":2300,"currency":"USD","value_usd":2300},"apc_paid":{"value":2300,"currency":"USD","value_usd":2300},"fwci":0.6681,"has_fulltext":true,"cited_by_count":4,"citation_normalized_percentile":{"value":0.74261747,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":90,"max":95},"biblio":{"volume":"2020","issue":null,"first_page":"1","last_page":"16"},"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/T11652","display_name":"Imbalanced Data Classification Techniques","score":0.9763000011444092,"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/credit-risk","display_name":"Credit risk","score":0.6587601900100708},{"id":"https://openalex.org/keywords/feature-selection","display_name":"Feature selection","score":0.6236886978149414},{"id":"https://openalex.org/keywords/interpretability","display_name":"Interpretability","score":0.5913709402084351},{"id":"https://openalex.org/keywords/pledge","display_name":"Pledge","score":0.5181121230125427},{"id":"https://openalex.org/keywords/classifier","display_name":"Classifier (UML)","score":0.5112543106079102},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.4545336365699768},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.4384268522262573},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.42423751950263977},{"id":"https://openalex.org/keywords/econometrics","display_name":"Econometrics","score":0.3813336491584778},{"id":"https://openalex.org/keywords/actuarial-science","display_name":"Actuarial science","score":0.38021403551101685},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.3680851459503174},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.3220369219779968},{"id":"https://openalex.org/keywords/economics","display_name":"Economics","score":0.2094273865222931}],"concepts":[{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.6587601900100708},{"id":"https://openalex.org/C148483581","wikidata":"https://www.wikidata.org/wiki/Q446488","display_name":"Feature selection","level":2,"score":0.6236886978149414},{"id":"https://openalex.org/C2781067378","wikidata":"https://www.wikidata.org/wiki/Q17027399","display_name":"Interpretability","level":2,"score":0.5913709402084351},{"id":"https://openalex.org/C2780643141","wikidata":"https://www.wikidata.org/wiki/Q819049","display_name":"Pledge","level":2,"score":0.5181121230125427},{"id":"https://openalex.org/C95623464","wikidata":"https://www.wikidata.org/wiki/Q1096149","display_name":"Classifier (UML)","level":2,"score":0.5112543106079102},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.4545336365699768},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4384268522262573},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.42423751950263977},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.3813336491584778},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.38021403551101685},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.3680851459503174},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3220369219779968},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2094273865222931},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.0}],"mesh":[],"locations_count":3,"locations":[{"id":"doi:10.1155/2020/2394948","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2020/2394948","pdf_url":"https://downloads.hindawi.com/journals/complexity/2020/2394948.pdf","source":{"id":"https://openalex.org/S207319443","display_name":"Complexity","issn_l":"1076-2787","issn":["1076-2787","1099-0526"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310319869","host_organization_name":"Hindawi Publishing Corporation","host_organization_lineage":["https://openalex.org/P4310319869"],"host_organization_lineage_names":["Hindawi Publishing Corporation"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Complexity","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:hin:complx:2394948","is_oa":false,"landing_page_url":"http://downloads.hindawi.com/journals/8503/2020/2394948.xml","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"},{"id":"pmh:oai:doaj.org/article:38d1b20726c54ae3be2ed0ee01daa4db","is_oa":true,"landing_page_url":"https://doaj.org/article/38d1b20726c54ae3be2ed0ee01daa4db","pdf_url":null,"source":{"id":"https://openalex.org/S112646816","display_name":"SHILAP Revista de lepidopterolog\u00eda","issn_l":"0300-5267","issn":["0300-5267","2340-4078"],"is_oa":true,"is_in_doaj":true,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Complexity, Vol 2020 (2020)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.1155/2020/2394948","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2020/2394948","pdf_url":"https://downloads.hindawi.com/journals/complexity/2020/2394948.pdf","source":{"id":"https://openalex.org/S207319443","display_name":"Complexity","issn_l":"1076-2787","issn":["1076-2787","1099-0526"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310319869","host_organization_name":"Hindawi Publishing Corporation","host_organization_lineage":["https://openalex.org/P4310319869"],"host_organization_lineage_names":["Hindawi Publishing Corporation"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Complexity","raw_type":"journal-article"},"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3033770312.pdf","grobid_xml":"https://content.openalex.org/works/W3033770312.grobid-xml"},"referenced_works_count":35,"referenced_works":["https://openalex.org/W1531329487","https://openalex.org/W1976558090","https://openalex.org/W2001619934","https://openalex.org/W2014802425","https://openalex.org/W2022115720","https://openalex.org/W2029869759","https://openalex.org/W2065530260","https://openalex.org/W2067608535","https://openalex.org/W2102843519","https://openalex.org/W2112081648","https://openalex.org/W2119821739","https://openalex.org/W2124532504","https://openalex.org/W2148633389","https://openalex.org/W2158068969","https://openalex.org/W2191253925","https://openalex.org/W2278756223","https://openalex.org/W2461391084","https://openalex.org/W2561943014","https://openalex.org/W2586297576","https://openalex.org/W2606916050","https://openalex.org/W2613872131","https://openalex.org/W2730245908","https://openalex.org/W2735835382","https://openalex.org/W2761075141","https://openalex.org/W2765458100","https://openalex.org/W2775806999","https://openalex.org/W2783336591","https://openalex.org/W2792257063","https://openalex.org/W2883150736","https://openalex.org/W2905025229","https://openalex.org/W2912255654","https://openalex.org/W2914207124","https://openalex.org/W2942684165","https://openalex.org/W2943141190","https://openalex.org/W3009205158"],"related_works":["https://openalex.org/W2375586905","https://openalex.org/W4212930069","https://openalex.org/W2061297926","https://openalex.org/W2078086611","https://openalex.org/W2802380811","https://openalex.org/W4381197671","https://openalex.org/W2349849257","https://openalex.org/W4240448557","https://openalex.org/W2365862873","https://openalex.org/W2515248673"],"abstract_inverted_index":{"Credit":[0],"risk":[1,35,43,55,67,80,240],"assessment":[2,36],"has":[3,150],"gained":[4],"increasing":[5],"marked":[6],"attention":[7],"in":[8,153],"the":[9,27,47,61,65,95,104,112,137,147,163,180,184,192,196,204,236],"recent":[10],"years":[11],"by":[12,83,102,183,191,195],"researchers,":[13],"financial":[14],"institutions,":[15],"and":[16,21,31,46,71,74,89,109,157,172,189,203,219,227,229],"banks,":[17],"especially":[18],"for":[19,123],"small":[20,30,70],"microsized":[22,32,72],"enterprises.":[23],"Evidence":[24],"shows":[25],"that":[26,63,145],"core":[28],"of":[29,68,139,206,216,224],"enterprises\u2019":[33,213,225],"credit":[34,42,54,66,79,239],"is":[37,49],"to":[38,50,135,234],"construct":[39,76],"a":[40,77,131],"scientific":[41],"indicator":[44,81],"system,":[45],"key":[48],"establish":[51,111],"an":[52],"effective":[53],"prediction":[56],"model.":[57],"Therefore,":[58],"we":[59,93,125],"analyze":[60],"factors":[62],"influence":[64],"Chinese":[69,132],"enterprises":[73],"then":[75],"comprehensive":[78],"system":[82],"adding":[84],"behaviour":[85],"information,":[86,88],"supervision":[87],"policy":[90],"information.":[91],"Furthermore,":[92],"improve":[94],"multiple":[96,116],"criteria":[97,117],"linear":[98,118],"optimization":[99,119],"classifier":[100,120],"(MCLOC)":[101],"introducing":[103],"one-norm":[105],"kernel":[106,113],"feature":[107,114],"selection":[108],"thereby":[110],"selection-based":[115],"(KFS-MCLOC).":[121],"As":[122],"experiments,":[124],"use":[126],"real":[127],"business":[128],"data":[129],"from":[130,168],"commercial":[133],"bank":[134],"test":[136],"performance":[138],"these":[140],"models.":[141],"The":[142],"results":[143],"show":[144],"(1)":[146],"proposed":[148],"KFS-MCLOC":[149,164,185],"greater":[151],"advantages":[152],"predictive":[154],"accuracy,":[155],"interpretability,":[156],"stability":[158],"than":[159],"other":[160],"models;":[161],"(2)":[162],"selects":[165],"10":[166],"features":[167,171,175,181,193],"53":[169],"original":[170],"gives":[173],"selected":[174,182,194],"their":[176],"weight":[177],"automatically;":[178],"(3)":[179],"are":[186,232],"further":[187],"verified":[188],"compared":[190],"logistic":[197],"regression":[198],"model":[199],"with":[200],"stepwise":[201],"parameter,":[202],"indicators":[205],"\u201cquick":[207],"ratio;":[208],"net":[209],"operating":[210],"cash":[211],"flow;":[212],"abnormal":[214],"times":[215],"water,":[217],"electricity,":[218],"tax":[220],"fee;":[221],"overdue":[222],"days":[223],"loans;":[226],"mortgage":[228],"pledge":[230],"status\u201d":[231],"proved":[233],"be":[235],"most":[237],"influencing":[238],"factors.":[241]},"counts_by_year":[{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":1},{"year":2023,"cited_by_count":1},{"year":2022,"cited_by_count":1}],"updated_date":"2026-04-05T17:49:38.594831","created_date":"2025-10-10T00:00:00"}
