{"id":"https://openalex.org/W6963685531","doi":"https://doi.org/10.21227/n048-7q52","title":"Credit Risk Assessment","display_name":"Credit Risk Assessment","publication_year":2024,"publication_date":"2024-06-23","ids":{"openalex":"https://openalex.org/W6963685531","doi":"https://doi.org/10.21227/n048-7q52"},"language":"en","primary_location":{"id":"doi:10.21227/n048-7q52","is_oa":true,"landing_page_url":"https://doi.org/10.21227/n048-7q52","pdf_url":null,"source":{"id":"https://openalex.org/S7407051695","display_name":"IEEE DataPort","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","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Dataset"},"type":"dataset","indexed_in":["datacite"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.21227/n048-7q52","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":null,"display_name":"Yang, Dongqi","orcid":null},"institutions":[{"id":"https://openalex.org/I881766915","display_name":"Nanjing University","ror":"https://ror.org/01rxvg760","country_code":"CN","type":"education","lineage":["https://openalex.org/I881766915"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Yang, Dongqi","raw_affiliation_strings":["Nanjing University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Nanjing University","institution_ids":["https://openalex.org/I881766915"]}]},{"author_position":"last","author":{"id":null,"display_name":"Xiao, Binqing","orcid":null},"institutions":[{"id":"https://openalex.org/I881766915","display_name":"Nanjing University","ror":"https://ror.org/01rxvg760","country_code":"CN","type":"education","lineage":["https://openalex.org/I881766915"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Xiao, Binqing","raw_affiliation_strings":["Nanjing University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Nanjing University","institution_ids":["https://openalex.org/I881766915"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I881766915"],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":true,"primary_topic":null,"topics":[],"keywords":[{"id":"https://openalex.org/keywords/loan","display_name":"Loan","score":0.736299991607666},{"id":"https://openalex.org/keywords/ledger","display_name":"Ledger","score":0.5526999831199646},{"id":"https://openalex.org/keywords/credit-risk","display_name":"Credit risk","score":0.4903999865055084},{"id":"https://openalex.org/keywords/robustness","display_name":"Robustness (evolution)","score":0.4812999963760376},{"id":"https://openalex.org/keywords/non-performing-loan","display_name":"Non-performing loan","score":0.38920000195503235},{"id":"https://openalex.org/keywords/probability-of-default","display_name":"Probability of default","score":0.36550000309944153},{"id":"https://openalex.org/keywords/credit-rating","display_name":"Credit rating","score":0.3603000044822693}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.736299991607666},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6302000284194946},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.5875999927520752},{"id":"https://openalex.org/C91302708","wikidata":"https://www.wikidata.org/wiki/Q2732056","display_name":"Ledger","level":2,"score":0.5526999831199646},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.4903999865055084},{"id":"https://openalex.org/C63479239","wikidata":"https://www.wikidata.org/wiki/Q7353546","display_name":"Robustness (evolution)","level":3,"score":0.4812999963760376},{"id":"https://openalex.org/C71387314","wikidata":"https://www.wikidata.org/wiki/Q494128","display_name":"Non-performing loan","level":3,"score":0.38920000195503235},{"id":"https://openalex.org/C2779806880","wikidata":"https://www.wikidata.org/wiki/Q778470","display_name":"Probability of default","level":3,"score":0.36550000309944153},{"id":"https://openalex.org/C205208723","wikidata":"https://www.wikidata.org/wiki/Q372765","display_name":"Credit rating","level":2,"score":0.3603000044822693},{"id":"https://openalex.org/C68842666","wikidata":"https://www.wikidata.org/wiki/Q1070699","display_name":"Credit history","level":2,"score":0.3328999876976013},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.32089999318122864},{"id":"https://openalex.org/C12174686","wikidata":"https://www.wikidata.org/wiki/Q1058438","display_name":"Risk assessment","level":2,"score":0.3190000057220459},{"id":"https://openalex.org/C69637215","wikidata":"https://www.wikidata.org/wiki/Q702362","display_name":"Default","level":2,"score":0.3127000033855438},{"id":"https://openalex.org/C24308983","wikidata":"https://www.wikidata.org/wiki/Q5183781","display_name":"Credit reference","level":3,"score":0.30709999799728394},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.2847000062465668},{"id":"https://openalex.org/C2993078247","wikidata":"https://www.wikidata.org/wiki/Q182076","display_name":"Bank credit","level":2,"score":0.27959999442100525},{"id":"https://openalex.org/C2777138686","wikidata":"https://www.wikidata.org/wiki/Q1787103","display_name":"Credit score","level":2,"score":0.2705000042915344},{"id":"https://openalex.org/C76073288","wikidata":"https://www.wikidata.org/wiki/Q1337875","display_name":"Financial risk","level":2,"score":0.2590000033378601},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.25459998846054077}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.21227/n048-7q52","is_oa":true,"landing_page_url":"https://doi.org/10.21227/n048-7q52","pdf_url":null,"source":{"id":"https://openalex.org/S7407051695","display_name":"IEEE DataPort","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","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":null,"raw_source_name":null,"raw_type":"Dataset"}],"best_oa_location":{"id":"doi:10.21227/n048-7q52","is_oa":true,"landing_page_url":"https://doi.org/10.21227/n048-7q52","pdf_url":null,"source":{"id":"https://openalex.org/S7407051695","display_name":"IEEE DataPort","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","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Dataset"},"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":[],"abstract_inverted_index":{"This":[0],"study":[1],"utilizes":[2],"the":[3,34,45,56,84,87,93,101],"annual":[4,57],"loan":[5,48,58],"ledger":[6,59],"data":[7],"obtained":[8],"from":[9,92],"a":[10],"commercial":[11],"bank":[12],"located":[13],"in":[14,55,76,118],"Jiangsu":[15],"Province,":[16],"China,":[17],"which":[18],"is":[19],"called":[20],"ChinaZJB.":[21],"The":[22],"ChinaZJB":[23],"dataset":[24],"consists":[25],"of":[26,30,80,86],"1,329":[27],"valid":[28],"samples":[29],"SMEs":[31,64,70],"after":[32],"merging":[33],"non-financial":[35,51],"behavioral":[36],"information":[37,40,53],"and":[38,50,109],"soft":[39],"on":[41],"credit":[42,111],"rating":[43],"with":[44],"financial":[46],"information,":[47,49],"basic":[52],"found":[54],"data.":[60],"Among":[61],"them,":[62],"108":[63],"have":[65,71],"default":[66,73],"records,":[67,74],"while":[68],"1,221":[69],"no":[72],"resulting":[75],"an":[77],"imbalanced":[78],"ratio":[79],"approximately":[81],"1:11.To":[82],"check":[83],"robustness":[85,116],"proposed":[88],"model,":[89],"five":[90],"datasets":[91],"UC":[94],"Irvine":[95],"(UCI)":[96],"machine-learning":[97],"repository,":[98],"that":[99],"is,":[100],"Polish":[102,104,106],"1,":[103],"2,":[105],"3,":[107],"Australian,":[108],"Taiwan":[110],"datasets,":[112],"were":[113],"used":[114],"for":[115],"checks":[117],"this":[119],"study.":[120]},"counts_by_year":[],"updated_date":"2026-07-01T06:00:48.157686","created_date":"2025-10-10T00:00:00"}
