A deep learning model for behavioural credit scoring in banks

The purpose is to effectively manage the financial market, comprehensive assess personal credit, reduce the risk of financial enterprises. Given the systemic risk problem caused by the lack of credit scoring in the existing financial market, a credit scoring model is put forward based on the deep learning network. The proposed model uses RNN (Recurrent Neural Network) and BRNN (Bidirectional Recurrent Neural Network) to avoid the limitations of shallow models. Afterward, to optimize path analysis, bionic optimization algorithms are introduced, and an integrated deep learning model is proposed. Finally, a financial credit risk management system using the integrated deep learning model is proposed. The probability of default or overdue customers is predicted through verification on three real credit data sets, thus realizing the credit risk management for credit customers.

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Deep Learning Model Selection of Suboptimal Complexity

Автоматика и телемеханика ◽

10.31857/s000523100001252-1 ◽

2018 ◽

pp. 129-147

Author(s):

Oleg Bakhteev ◽

◽

Vadim Strijov ◽

Keyword(s):

Deep Learning ◽

Model Selection ◽

Learning Model ◽

Deep Learning Model ◽

Selection Of

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Improving Sentiment Analysis using Hybrid Deep Learning Model

Recent Advances in Computer Science and Communications ◽

10.2174/2213275912666190328200012 ◽

2020 ◽

Vol 13 (4) ◽

pp. 627-640 ◽

Cited By ~ 1

Author(s):

Avinash Chandra Pandey ◽

Dharmveer Singh Rajpoot

Keyword(s):

Neural Network ◽

Deep Learning ◽

Sentiment Analysis ◽

Classification Accuracy ◽

Short Term Memory ◽

Computational Cost ◽

Extraction Process ◽

Learning Model ◽

Sentiment Classification ◽

Deep Learning Model

Background: Sentiment analysis is a contextual mining of text which determines viewpoint of users with respect to some sentimental topics commonly present at social networking websites. Twitter is one of the social sites where people express their opinion about any topic in the form of tweets. These tweets can be examined using various sentiment classification methods to find the opinion of users. Traditional sentiment analysis methods use manually extracted features for opinion classification. The manual feature extraction process is a complicated task since it requires predefined sentiment lexicons. On the other hand, deep learning methods automatically extract relevant features from data hence; they provide better performance and richer representation competency than the traditional methods. Objective: The main aim of this paper is to enhance the sentiment classification accuracy and to reduce the computational cost. Method: To achieve the objective, a hybrid deep learning model, based on convolution neural network and bi-directional long-short term memory neural network has been introduced. Results: The proposed sentiment classification method achieves the highest accuracy for the most of the datasets. Further, from the statistical analysis efficacy of the proposed method has been validated. Conclusion: Sentiment classification accuracy can be improved by creating veracious hybrid models. Moreover, performance can also be enhanced by tuning the hyper parameters of deep leaning models.

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