{"id":"https://openalex.org/W7084764363","doi":"https://doi.org/10.1155/cplx/3308222","title":"Artificial Intelligence Credit Risk Assessment Model Based on MLP\u2010Hybrid Clustering","display_name":"Artificial Intelligence Credit Risk Assessment Model Based on MLP\u2010Hybrid Clustering","publication_year":2025,"publication_date":"2025-01-01","ids":{"openalex":"https://openalex.org/W7084764363","doi":"https://doi.org/10.1155/cplx/3308222"},"language":"en","primary_location":{"id":"doi:10.1155/cplx/3308222","is_oa":true,"landing_page_url":"https://doi.org/10.1155/cplx/3308222","pdf_url":"https://onlinelibrary.wiley.com/doi/pdfdirect/10.1155/cplx/3308222","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","https://openalex.org/P4310320595"],"host_organization_lineage_names":["Hindawi Publishing Corporation","Wiley"],"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://onlinelibrary.wiley.com/doi/pdfdirect/10.1155/cplx/3308222","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":null,"display_name":"Pengzhe Sun","orcid":null},"institutions":[{"id":"https://openalex.org/I120379545","display_name":"Inner Mongolia Agricultural University","ror":"https://ror.org/015d0jq83","country_code":"CN","type":"education","lineage":["https://openalex.org/I120379545"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Pengzhe Sun","raw_affiliation_strings":["College of Science ,  Inner Mongolia Agricultural University ,  Hohhot ,  China , imau.edu.cn"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"College of Science ,  Inner Mongolia Agricultural University ,  Hohhot ,  China , imau.edu.cn","institution_ids":["https://openalex.org/I120379545"]}]},{"author_position":"middle","author":{"id":null,"display_name":"Yunfang Jia","orcid":null},"institutions":[{"id":"https://openalex.org/I120379545","display_name":"Inner Mongolia Agricultural University","ror":"https://ror.org/015d0jq83","country_code":"CN","type":"education","lineage":["https://openalex.org/I120379545"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Yunfang Jia","raw_affiliation_strings":["College of Science ,  Inner Mongolia Agricultural University ,  Hohhot ,  China , imau.edu.cn"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"College of Science ,  Inner Mongolia Agricultural University ,  Hohhot ,  China , imau.edu.cn","institution_ids":["https://openalex.org/I120379545"]}]},{"author_position":"middle","author":{"id":null,"display_name":"Yunyun Shi","orcid":null},"institutions":[{"id":"https://openalex.org/I120379545","display_name":"Inner Mongolia Agricultural University","ror":"https://ror.org/015d0jq83","country_code":"CN","type":"education","lineage":["https://openalex.org/I120379545"]},{"id":"https://openalex.org/I55654194","display_name":"Inner Mongolia University of Technology","ror":"https://ror.org/05564e019","country_code":"CN","type":"education","lineage":["https://openalex.org/I55654194"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Yunyun Shi","raw_affiliation_strings":["College of Computer Science and Technology ,  Inner Mongolia Agricultural University ,  Hohhot ,  China , imau.edu.cn"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"College of Computer Science and Technology ,  Inner Mongolia Agricultural University ,  Hohhot ,  China , imau.edu.cn","institution_ids":["https://openalex.org/I120379545","https://openalex.org/I55654194"]}]},{"author_position":"middle","author":{"id":null,"display_name":"Jiao Ren","orcid":null},"institutions":[{"id":"https://openalex.org/I120379545","display_name":"Inner Mongolia Agricultural University","ror":"https://ror.org/015d0jq83","country_code":"CN","type":"education","lineage":["https://openalex.org/I120379545"]},{"id":"https://openalex.org/I55654194","display_name":"Inner Mongolia University of Technology","ror":"https://ror.org/05564e019","country_code":"CN","type":"education","lineage":["https://openalex.org/I55654194"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Jiao Ren","raw_affiliation_strings":["College of Computer Science and Technology ,  Inner Mongolia Agricultural University ,  Hohhot ,  China , imau.edu.cn"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"College of Computer Science and Technology ,  Inner Mongolia Agricultural University ,  Hohhot ,  China , imau.edu.cn","institution_ids":["https://openalex.org/I120379545","https://openalex.org/I55654194"]}]},{"author_position":"middle","author":{"id":null,"display_name":"Zhanjiang Li","orcid":"https://orcid.org/0000-0002-7884-5826"},"institutions":[{"id":"https://openalex.org/I120379545","display_name":"Inner Mongolia Agricultural University","ror":"https://ror.org/015d0jq83","country_code":"CN","type":"education","lineage":["https://openalex.org/I120379545"]}],"countries":["CN"],"is_corresponding":true,"raw_author_name":"Zhanjiang Li","raw_affiliation_strings":["College of Economics and Management ,  Inner Mongolia Agricultural University ,  Hohhot ,  China , imau.edu.cn"],"raw_orcid":"https://orcid.org/0000-0002-7884-5826","affiliations":[{"raw_affiliation_string":"College of Economics and Management ,  Inner Mongolia Agricultural University ,  Hohhot ,  China , imau.edu.cn","institution_ids":["https://openalex.org/I120379545"]}]},{"author_position":"last","author":{"id":null,"display_name":"Xiaoyuan Li","orcid":null},"institutions":[{"id":"https://openalex.org/I120379545","display_name":"Inner Mongolia Agricultural University","ror":"https://ror.org/015d0jq83","country_code":"CN","type":"education","lineage":["https://openalex.org/I120379545"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Xiaoyuan Li","raw_affiliation_strings":["College of Science ,  Inner Mongolia Agricultural University ,  Hohhot ,  China , imau.edu.cn"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"College of Science ,  Inner Mongolia Agricultural University ,  Hohhot ,  China , imau.edu.cn","institution_ids":["https://openalex.org/I120379545"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I120379545"],"apc_list":{"value":2550,"currency":"USD","value_usd":2550},"apc_paid":{"value":2550,"currency":"USD","value_usd":2550},"fwci":1.5514,"has_fulltext":true,"cited_by_count":1,"citation_normalized_percentile":{"value":0.8807675,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":94,"max":97},"biblio":{"volume":"2025","issue":"1","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":true,"primary_topic":{"id":"https://openalex.org/T10312","display_name":"Health, Nursing, Elderly Care","score":0.40869998931884766,"subfield":{"id":"https://openalex.org/subfields/3600","display_name":"General Health Professions"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}},"topics":[{"id":"https://openalex.org/T10312","display_name":"Health, Nursing, Elderly Care","score":0.40869998931884766,"subfield":{"id":"https://openalex.org/subfields/3600","display_name":"General Health Professions"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}},{"id":"https://openalex.org/T12869","display_name":"Occupational Health and Burnout","score":0.10429999977350235,"subfield":{"id":"https://openalex.org/subfields/3609","display_name":"Occupational Therapy"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}},{"id":"https://openalex.org/T13491","display_name":"Social and Political Issues","score":0.07180000096559525,"subfield":{"id":"https://openalex.org/subfields/3312","display_name":"Sociology and Political Science"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/credit-risk","display_name":"Credit risk","score":0.6891000270843506},{"id":"https://openalex.org/keywords/cluster-analysis","display_name":"Cluster analysis","score":0.6353999972343445},{"id":"https://openalex.org/keywords/multilayer-perceptron","display_name":"Multilayer perceptron","score":0.614300012588501},{"id":"https://openalex.org/keywords/construct","display_name":"Construct (python library)","score":0.5217000246047974},{"id":"https://openalex.org/keywords/artificial-neural-network","display_name":"Artificial neural network","score":0.428600013256073},{"id":"https://openalex.org/keywords/inner-mongolia","display_name":"Inner mongolia","score":0.41260001063346863},{"id":"https://openalex.org/keywords/risk-assessment","display_name":"Risk assessment","score":0.4034000039100647},{"id":"https://openalex.org/keywords/cluster","display_name":"Cluster (spacecraft)","score":0.3935000002384186},{"id":"https://openalex.org/keywords/credit-rating","display_name":"Credit rating","score":0.38679999113082886}],"concepts":[{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.6891000270843506},{"id":"https://openalex.org/C73555534","wikidata":"https://www.wikidata.org/wiki/Q622825","display_name":"Cluster analysis","level":2,"score":0.6353999972343445},{"id":"https://openalex.org/C179717631","wikidata":"https://www.wikidata.org/wiki/Q2991667","display_name":"Multilayer perceptron","level":3,"score":0.614300012588501},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.5268999934196472},{"id":"https://openalex.org/C2780801425","wikidata":"https://www.wikidata.org/wiki/Q5164392","display_name":"Construct (python library)","level":2,"score":0.5217000246047974},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.4456000030040741},{"id":"https://openalex.org/C124101348","wikidata":"https://www.wikidata.org/wiki/Q172491","display_name":"Data mining","level":1,"score":0.4413999915122986},{"id":"https://openalex.org/C50644808","wikidata":"https://www.wikidata.org/wiki/Q192776","display_name":"Artificial neural network","level":2,"score":0.428600013256073},{"id":"https://openalex.org/C3017660400","wikidata":"https://www.wikidata.org/wiki/Q41079","display_name":"Inner mongolia","level":3,"score":0.41260001063346863},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.4072999954223633},{"id":"https://openalex.org/C12174686","wikidata":"https://www.wikidata.org/wiki/Q1058438","display_name":"Risk assessment","level":2,"score":0.4034000039100647},{"id":"https://openalex.org/C164866538","wikidata":"https://www.wikidata.org/wiki/Q367351","display_name":"Cluster (spacecraft)","level":2,"score":0.3935000002384186},{"id":"https://openalex.org/C205208723","wikidata":"https://www.wikidata.org/wiki/Q372765","display_name":"Credit rating","level":2,"score":0.38679999113082886},{"id":"https://openalex.org/C87345402","wikidata":"https://www.wikidata.org/wiki/Q485202","display_name":"Analytic hierarchy process","level":2,"score":0.365200012922287},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.3465999960899353},{"id":"https://openalex.org/C207968372","wikidata":"https://www.wikidata.org/wiki/Q310401","display_name":"k-means clustering","level":3,"score":0.3296999931335449},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.3224000036716461},{"id":"https://openalex.org/C152877465","wikidata":"https://www.wikidata.org/wiki/Q208042","display_name":"Regression analysis","level":2,"score":0.3075000047683716},{"id":"https://openalex.org/C117220453","wikidata":"https://www.wikidata.org/wiki/Q5172842","display_name":"Correlation","level":2,"score":0.30660000443458557},{"id":"https://openalex.org/C60908668","wikidata":"https://www.wikidata.org/wiki/Q690207","display_name":"Perceptron","level":3,"score":0.3052999973297119},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.30149999260902405},{"id":"https://openalex.org/C139502532","wikidata":"https://www.wikidata.org/wiki/Q1122090","display_name":"Computational intelligence","level":2,"score":0.29910001158714294},{"id":"https://openalex.org/C120936955","wikidata":"https://www.wikidata.org/wiki/Q2155640","display_name":"Empirical research","level":2,"score":0.2971999943256378},{"id":"https://openalex.org/C2777382242","wikidata":"https://www.wikidata.org/wiki/Q6017816","display_name":"Index (typography)","level":2,"score":0.29179999232292175},{"id":"https://openalex.org/C2776291640","wikidata":"https://www.wikidata.org/wiki/Q2912517","display_name":"Value (mathematics)","level":2,"score":0.28060001134872437},{"id":"https://openalex.org/C61224824","wikidata":"https://www.wikidata.org/wiki/Q2260434","display_name":"Mixture model","level":2,"score":0.2775000035762787},{"id":"https://openalex.org/C98045186","wikidata":"https://www.wikidata.org/wiki/Q205663","display_name":"Process (computing)","level":2,"score":0.27630001306533813},{"id":"https://openalex.org/C2775997200","wikidata":"https://www.wikidata.org/wiki/Q632029","display_name":"Country risk","level":2,"score":0.271699994802475},{"id":"https://openalex.org/C163716315","wikidata":"https://www.wikidata.org/wiki/Q901177","display_name":"Gaussian","level":2,"score":0.26600000262260437},{"id":"https://openalex.org/C31170391","wikidata":"https://www.wikidata.org/wiki/Q188619","display_name":"Hierarchy","level":2,"score":0.251800000667572}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1155/cplx/3308222","is_oa":true,"landing_page_url":"https://doi.org/10.1155/cplx/3308222","pdf_url":"https://onlinelibrary.wiley.com/doi/pdfdirect/10.1155/cplx/3308222","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","https://openalex.org/P4310320595"],"host_organization_lineage_names":["Hindawi Publishing Corporation","Wiley"],"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:doaj.org/article:b184cff1347048faa8492c430aeac3a2","is_oa":true,"landing_page_url":"https://doaj.org/article/b184cff1347048faa8492c430aeac3a2","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"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 2025 (2025)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.1155/cplx/3308222","is_oa":true,"landing_page_url":"https://doi.org/10.1155/cplx/3308222","pdf_url":"https://onlinelibrary.wiley.com/doi/pdfdirect/10.1155/cplx/3308222","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","https://openalex.org/P4310320595"],"host_organization_lineage_names":["Hindawi Publishing Corporation","Wiley"],"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":[{"id":"https://openalex.org/G3791037645","display_name":null,"funder_award_id":"72161033","funder_id":"https://openalex.org/F4320321001","funder_display_name":"National Natural Science Foundation of China"},{"id":"https://openalex.org/G7110896651","display_name":null,"funder_award_id":"2025MS07001","funder_id":"https://openalex.org/F4320322868","funder_display_name":"Natural Science Foundation of Inner Mongolia"}],"funders":[{"id":"https://openalex.org/F4320321001","display_name":"National Natural Science Foundation of China","ror":"https://ror.org/01h0zpd94"},{"id":"https://openalex.org/F4320322868","display_name":"Natural Science Foundation of Inner Mongolia","ror":null}],"has_content":{"pdf":true,"grobid_xml":false},"content_urls":{"pdf":"https://content.openalex.org/works/W7084764363.pdf"},"referenced_works_count":11,"referenced_works":["https://openalex.org/W3144293453","https://openalex.org/W3173725123","https://openalex.org/W3194093349","https://openalex.org/W4224589308","https://openalex.org/W4224950758","https://openalex.org/W4229370708","https://openalex.org/W4323338916","https://openalex.org/W4388019501","https://openalex.org/W4389058774","https://openalex.org/W4400779631","https://openalex.org/W4401633972"],"related_works":[],"abstract_inverted_index":{"For":[0],"the":[1,24,58,64,67,73,83,100,104,108,120,128,137,150,166,182,194,199,211,215,219,225],"credit":[2,8,28,50,85,94,105,129,200],"risk":[3,9,29,51,95,130,201],"problem,":[4],"an":[5,154],"artificial":[6],"intelligence":[7],"assessment":[10,96],"model":[11,97,116,196,227],"based":[12,32,98,135],"on":[13,33,99,136],"multilayer":[14],"perceptron":[15],"(MLP)":[16],"hybrid":[17],"clustering":[18],"is":[19,23,124,157,208,222],"proposed.":[20],"This":[21],"study":[22],"first":[25],"to":[26,47,91,102,126,197],"evaluate":[27],"evaluation":[30,52,86],"indexes":[31],"a":[34,49,93,113,177],"combination":[35],"of":[36,57,66,107,140,165,169,184,193,202],"natural":[37],"language":[38],"processing":[39],"(NLP),":[40],"cluster":[41],"analysis,":[42],"and":[43,46,72,111,144,187,214,224],"correlation":[44,78],"analysis":[45,156],"construct":[48,92],"index":[53],"system.":[54],"The":[55,159,191],"weights":[56],"indicators":[59],"are":[60,89,175],"then":[61,112],"determined":[62],"through":[63,76],"application":[65],"analytic":[68],"hierarchy":[69],"process":[70],"(AHP)":[71],"criteria":[74],"importance":[75],"intercriteria":[77],"(CRITIC)":[79],"assignment":[80],"method;":[81],"then,":[82],"weighted":[84],"indicator":[87],"data":[88],"used":[90],"MLP":[101,226],"predict":[103,198],"status":[106],"business":[109],"entity,":[110],"Gaussian":[114],"mixture":[115],"(GMM)":[117],"combined":[118],"with":[119,210],"expectation\u2013maximization":[121],"(EM)":[122],"algorithm":[123],"employed":[125],"divide":[127],"levels":[131],"into":[132],"intervals.":[133],"Finally,":[134],"research":[138],"information":[139],"246":[141],"family":[142,170,203],"farms":[143,171,204],"ranches":[145],"in":[146,149,172,176,205],"12":[147],"cities":[148],"Inner":[151,173,206],"Mongolia":[152,174,207],"region,":[153],"empirical":[155],"conducted.":[158],"results":[160,216],"demonstrate":[161],"that":[162,218],"(1)":[163],"most":[164],"investigated":[167],"samples":[168],"low\u2010risk":[178],"state,":[179],"which":[180],"follows":[181],"law":[183],"large":[185],"numbers":[186],"practical":[188],"significance.":[189],"(2)":[190],"accuracy":[192],"regression":[195],"examined":[209],"ROC":[212],"curve,":[213],"show":[217],"AUC":[220],"value":[221],"0.92,":[223],"fits":[228],"well.":[229]},"counts_by_year":[{"year":2026,"cited_by_count":1}],"updated_date":"2026-08-15T07:11:24.734988","created_date":"2025-10-10T00:00:00"}
