{"id":"https://openalex.org/W3214665226","doi":"https://doi.org/10.1155/2021/1034803","title":"Research on Credit Risk Identification of Internet Financial Enterprises Based on Big Data","display_name":"Research on Credit Risk Identification of Internet Financial Enterprises Based on Big Data","publication_year":2021,"publication_date":"2021-11-13","ids":{"openalex":"https://openalex.org/W3214665226","doi":"https://doi.org/10.1155/2021/1034803","mag":"3214665226"},"language":"en","primary_location":{"id":"doi:10.1155/2021/1034803","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2021/1034803","pdf_url":"https://downloads.hindawi.com/journals/misy/2021/1034803.pdf","source":{"id":"https://openalex.org/S152111507","display_name":"Mobile Information Systems","issn_l":"1574-017X","issn":["1574-017X","1875-905X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310318577","host_organization_name":"IOS Press","host_organization_lineage":["https://openalex.org/P4310318577"],"host_organization_lineage_names":["IOS Press"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Mobile Information Systems","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://downloads.hindawi.com/journals/misy/2021/1034803.pdf","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5102025829","display_name":"Hua Peng","orcid":"https://orcid.org/0000-0001-6850-2603"},"institutions":[{"id":"https://openalex.org/I98834328","display_name":"Wuyi University","ror":"https://ror.org/059djzq42","country_code":"CN","type":"education","lineage":["https://openalex.org/I98834328"]}],"countries":["CN"],"is_corresponding":true,"raw_author_name":"Hua Peng","raw_affiliation_strings":["National Changhua University of Education, Changhua 50007, China","Wuyi University, Wuyishan, Nanping 354300, China"],"raw_orcid":"https://orcid.org/0000-0001-6850-2603","affiliations":[{"raw_affiliation_string":"National Changhua University of Education, Changhua 50007, China","institution_ids":[]},{"raw_affiliation_string":"Wuyi University, Wuyishan, Nanping 354300, China","institution_ids":["https://openalex.org/I98834328"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5102025829"],"corresponding_institution_ids":["https://openalex.org/I98834328"],"apc_list":{"value":2550,"currency":"USD","value_usd":2550},"apc_paid":{"value":2550,"currency":"USD","value_usd":2550},"fwci":1.7002,"has_fulltext":true,"cited_by_count":9,"citation_normalized_percentile":{"value":0.88079497,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":94,"max":97},"biblio":{"volume":"2021","issue":null,"first_page":"1","last_page":"8"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13647","display_name":"AI and Big Data Applications","score":0.9286999702453613,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},"topics":[{"id":"https://openalex.org/T13647","display_name":"AI and Big Data Applications","score":0.9286999702453613,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"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/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9164999723434448,"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/T14413","display_name":"Advanced Technologies in Various Fields","score":0.9115999937057495,"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":0.6406973004341125},{"id":"https://openalex.org/keywords/big-data","display_name":"Big data","score":0.6345432996749878},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.6238701939582825},{"id":"https://openalex.org/keywords/identification","display_name":"Identification (biology)","score":0.5286144614219666},{"id":"https://openalex.org/keywords/analytic-hierarchy-process","display_name":"Analytic hierarchy process","score":0.5275219082832336},{"id":"https://openalex.org/keywords/the-internet","display_name":"The Internet","score":0.5027096271514893},{"id":"https://openalex.org/keywords/financial-risk","display_name":"Financial risk","score":0.49647122621536255},{"id":"https://openalex.org/keywords/credit-card","display_name":"Credit card","score":0.47913262248039246},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.4686519503593445},{"id":"https://openalex.org/keywords/gradient-boosting","display_name":"Gradient boosting","score":0.4472608268260956},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.3426424264907837},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.33789724111557007},{"id":"https://openalex.org/keywords/data-mining","display_name":"Data mining","score":0.3225364089012146},{"id":"https://openalex.org/keywords/operations-research","display_name":"Operations research","score":0.13104480504989624},{"id":"https://openalex.org/keywords/payment","display_name":"Payment","score":0.10174253582954407},{"id":"https://openalex.org/keywords/world-wide-web","display_name":"World Wide Web","score":0.0819956362247467},{"id":"https://openalex.org/keywords/random-forest","display_name":"Random forest","score":0.07859385013580322}],"concepts":[{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.6406973004341125},{"id":"https://openalex.org/C75684735","wikidata":"https://www.wikidata.org/wiki/Q858810","display_name":"Big data","level":2,"score":0.6345432996749878},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.6238701939582825},{"id":"https://openalex.org/C116834253","wikidata":"https://www.wikidata.org/wiki/Q2039217","display_name":"Identification (biology)","level":2,"score":0.5286144614219666},{"id":"https://openalex.org/C87345402","wikidata":"https://www.wikidata.org/wiki/Q485202","display_name":"Analytic hierarchy process","level":2,"score":0.5275219082832336},{"id":"https://openalex.org/C110875604","wikidata":"https://www.wikidata.org/wiki/Q75","display_name":"The Internet","level":2,"score":0.5027096271514893},{"id":"https://openalex.org/C76073288","wikidata":"https://www.wikidata.org/wiki/Q1337875","display_name":"Financial risk","level":2,"score":0.49647122621536255},{"id":"https://openalex.org/C2983355114","wikidata":"https://www.wikidata.org/wiki/Q161380","display_name":"Credit card","level":3,"score":0.47913262248039246},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.4686519503593445},{"id":"https://openalex.org/C70153297","wikidata":"https://www.wikidata.org/wiki/Q5591907","display_name":"Gradient boosting","level":3,"score":0.4472608268260956},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.3426424264907837},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.33789724111557007},{"id":"https://openalex.org/C124101348","wikidata":"https://www.wikidata.org/wiki/Q172491","display_name":"Data mining","level":1,"score":0.3225364089012146},{"id":"https://openalex.org/C42475967","wikidata":"https://www.wikidata.org/wiki/Q194292","display_name":"Operations research","level":1,"score":0.13104480504989624},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.10174253582954407},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.0819956362247467},{"id":"https://openalex.org/C169258074","wikidata":"https://www.wikidata.org/wiki/Q245748","display_name":"Random forest","level":2,"score":0.07859385013580322},{"id":"https://openalex.org/C86803240","wikidata":"https://www.wikidata.org/wiki/Q420","display_name":"Biology","level":0,"score":0.0},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.0},{"id":"https://openalex.org/C59822182","wikidata":"https://www.wikidata.org/wiki/Q441","display_name":"Botany","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1155/2021/1034803","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2021/1034803","pdf_url":"https://downloads.hindawi.com/journals/misy/2021/1034803.pdf","source":{"id":"https://openalex.org/S152111507","display_name":"Mobile Information Systems","issn_l":"1574-017X","issn":["1574-017X","1875-905X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310318577","host_organization_name":"IOS Press","host_organization_lineage":["https://openalex.org/P4310318577"],"host_organization_lineage_names":["IOS Press"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Mobile Information Systems","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.1155/2021/1034803","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2021/1034803","pdf_url":"https://downloads.hindawi.com/journals/misy/2021/1034803.pdf","source":{"id":"https://openalex.org/S152111507","display_name":"Mobile Information Systems","issn_l":"1574-017X","issn":["1574-017X","1875-905X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310318577","host_organization_name":"IOS Press","host_organization_lineage":["https://openalex.org/P4310318577"],"host_organization_lineage_names":["IOS Press"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Mobile Information Systems","raw_type":"journal-article"},"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3214665226.pdf","grobid_xml":"https://content.openalex.org/works/W3214665226.grobid-xml"},"referenced_works_count":20,"referenced_works":["https://openalex.org/W359019935","https://openalex.org/W2767781968","https://openalex.org/W2883370042","https://openalex.org/W2901358924","https://openalex.org/W2902316713","https://openalex.org/W2912002915","https://openalex.org/W2920162995","https://openalex.org/W2921192933","https://openalex.org/W2941650918","https://openalex.org/W2959466452","https://openalex.org/W2985479538","https://openalex.org/W2991414607","https://openalex.org/W2996150303","https://openalex.org/W2998267714","https://openalex.org/W3010957596","https://openalex.org/W3133271489","https://openalex.org/W3143258789","https://openalex.org/W3170925397","https://openalex.org/W3183619759","https://openalex.org/W3190260202"],"related_works":["https://openalex.org/W4318028252","https://openalex.org/W4206658728","https://openalex.org/W2605508318","https://openalex.org/W2385683470","https://openalex.org/W3134416257","https://openalex.org/W2322155822","https://openalex.org/W1745582813","https://openalex.org/W2325384277","https://openalex.org/W2357152830","https://openalex.org/W4295762775"],"abstract_inverted_index":{"The":[0,20,138,159],"advent":[1],"of":[2,5,13,23,27,35,46,57,80,89,114,120,155,171,188],"the":[3,33,44,71,75,87,95,102,112,117,127,169,172,179,185],"era":[4],"big":[6,63,72,121,128],"data":[7,64,73,122,129],"has":[8],"provided":[9],"a":[10,54,150],"new":[11,55],"way":[12],"development":[14],"for":[15,65],"Internet":[16,28,66,81,156,189],"financial":[17,29,67,82,157,190],"credit":[18,24,36,47,58,76,113,123,130,151,186],"collection.":[19],"traditional":[21],"methods":[22],"risk":[25,37,48,59,77,124,131,152,187],"identification":[26,60,153],"enterprises":[30,83],"cannot":[31],"get":[32],"characteristics":[34,119],"zoning,":[38],"leading":[39],"to":[40,70,109,148,167],"large":[41],"errors":[42],"in":[43],"results":[45,176],"identification.":[49],"Therefore,":[50],"this":[51],"paper":[52],"proposes":[53],"method":[56,106,181],"based":[61],"on":[62],"enterprises.":[68,158,191],"According":[69],"perspective,":[74],"assessment":[78,90],"steps":[79],"are":[84,165],"analyzed":[85],"and":[86,101,162],"weight":[88],"indicators":[91],"is":[92,107,132,146],"calculated":[93],"using":[94],"improved":[96],"analytic":[97],"hierarchy":[98],"process":[99],"(AHP),":[100],"linear":[103],"weighted":[104],"synthesis":[105],"applied":[108],"comprehensively":[110],"assess":[111,184],"clients.":[115],"Using":[116],"unique":[118],"region":[125],"division,":[126],"determined":[133],"by":[134],"rule-based":[135],"matching":[136],"method.":[137,174],"eXtreme":[139],"Gradient":[140],"Boosting":[141],"(XGBoost)":[142],"machine":[143],"learning":[144],"algorithm":[145],"used":[147,166],"establish":[149],"model":[154],"kappa":[160],"coefficient":[161],"ROC":[163],"curve":[164],"evaluate":[168],"performance":[170],"proposed":[173,180],"Experimental":[175],"show":[177],"that":[178],"can":[182],"accurately":[183]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":2},{"year":2024,"cited_by_count":3},{"year":2022,"cited_by_count":3}],"updated_date":"2026-07-29T09:40:50.615796","created_date":"2025-10-10T00:00:00"}