Social Risk Assessment Mechanism Based on the Neural Networks

Author(s):  
Vadym Mukhin ◽  
Yaroslav Komaga ◽  
Valerii Zavgorodnii ◽  
Anna Zavgorodnya ◽  
Oksana Herasymenko ◽  
...  
2011 ◽  
Vol 17 (3) ◽  
pp. 519-534 ◽  
Author(s):  
Smaranda Stoenescu Cimpoeru

The purpose of this article is to see how neural networks are used in credit risk assessment problems. For this, we firstly introduce the main theoretical concepts of the neural calculus, as well as the fundaments for the main training algorithm: the error back-propagation algorithm. We review the specialty literature and find that the neural networks yield better results than other classification techniques, like multivariate discriminant analysis or logistic regression, when applying them in credit risk assessment problems. We focus on a few types of networks: feed-forward networks with multiple layers, fuzzy adaptive networks, support vector machines. We develop an analysis on Romanian Small and Medium Enterprises (financial ratios) and the results are in line with the findings from the literature: the neural networks give better results than the logistic regression. The study can be developed by analyzing a support vector machine or a fuzzy adaptive network. Santrauka Šio straipsnio tikslas – parodyti, kaip neuroniniai tinklai yra naudojami kredito rizikos vertinimo problemoms spręsti. Iš pradžių pristatoma pagrindinė teorinė koncepcija, paskui – pagrindinis algoritmas. Literatūros analizė atskleidė, kad sprendžiant kredito rizikos vertinimo problemas neuroniniai tinklai duoda objektyvesnius rezultatus už kitus klasifikacijos metodus, t. y. daugiamatę diskriminantinę analizę arba logistinę regresiją. Dėmesys sutelkiamas į kelių tipų neuroninius tinklus: daugiasluoksnius, prisitaikančius ir vektorinius. Atlikta Rumunijos mažų ir vidutinių įmonių finansinių rodiklių analizė ir gauti rezultatai patvirtino prielaidą, kad neuroniniai tinklai duoda objektyvesnį rezultatą už logistinę regresiją.


2019 ◽  
Vol 11 (4) ◽  
pp. 86 ◽  
Author(s):  
César Pérez López ◽  
María Delgado Rodríguez ◽  
Sonia de Lucas Santos

The goal of the present research is to contribute to the detection of tax fraud concerning personal income tax returns (IRPF, in Spanish) filed in Spain, through the use of Machine Learning advanced predictive tools, by applying Multilayer Perceptron neural network (MLP) models. The possibilities springing from these techniques have been applied to a broad range of personal income return data supplied by the Institute of Fiscal Studies (IEF). The use of the neural networks enabled taxpayer segmentation as well as calculation of the probability concerning an individual taxpayer’s propensity to attempt to evade taxes. The results showed that the selected model has an efficiency rate of 84.3%, implying an improvement in relation to other models utilized in tax fraud detection. The proposal can be generalized to quantify an individual’s propensity to commit fraud with regards to other kinds of taxes. These models will support tax offices to help them arrive at the best decisions regarding action plans to combat tax fraud.


2021 ◽  
pp. 1-12
Author(s):  
Jian Zheng ◽  
Jianfeng Wang ◽  
Yanping Chen ◽  
Shuping Chen ◽  
Jingjin Chen ◽  
...  

Neural networks can approximate data because of owning many compact non-linear layers. In high-dimensional space, due to the curse of dimensionality, data distribution becomes sparse, causing that it is difficulty to provide sufficient information. Hence, the task becomes even harder if neural networks approximate data in high-dimensional space. To address this issue, according to the Lipschitz condition, the two deviations, i.e., the deviation of the neural networks trained using high-dimensional functions, and the deviation of high-dimensional functions approximation data, are derived. This purpose of doing this is to improve the ability of approximation high-dimensional space using neural networks. Experimental results show that the neural networks trained using high-dimensional functions outperforms that of using data in the capability of approximation data in high-dimensional space. We find that the neural networks trained using high-dimensional functions more suitable for high-dimensional space than that of using data, so that there is no need to retain sufficient data for neural networks training. Our findings suggests that in high-dimensional space, by tuning hidden layers of neural networks, this is hard to have substantial positive effects on improving precision of approximation data.


2011 ◽  
Vol 464 ◽  
pp. 38-42 ◽  
Author(s):  
Ping Ye ◽  
Gui Rong Weng

This paper proposed a novel method for leaf classification and recognition. In the method, the moment invariant and fractal dimension were regarded as the characteristic parameters of the plant leaf. In order to extract the representative characteristic parameters, pretreatment of the leaf images, including RGB-gray converting, image binarization and leafstalk removing. The extracted leaf characteristic parameters were further utilized as training sets to train the neural networks. The proposed method was proved effectively to reach a recognition rate about 92% for most of the testing leaf samples


Sensors ◽  
2020 ◽  
Vol 21 (1) ◽  
pp. 11
Author(s):  
Domonkos Haffner ◽  
Ferenc Izsák

The localization of multiple scattering objects is performed while using scattered waves. An up-to-date approach: neural networks are used to estimate the corresponding locations. In the scattering phenomenon under investigation, we assume known incident plane waves, fully reflecting balls with known diameters and measurement data of the scattered wave on one fixed segment. The training data are constructed while using the simulation package μ-diff in Matlab. The structure of the neural networks, which are widely used for similar purposes, is further developed. A complex locally connected layer is the main compound of the proposed setup. With this and an appropriate preprocessing of the training data set, the number of parameters can be kept at a relatively low level. As a result, using a relatively large training data set, the unknown locations of the objects can be estimated effectively.


2021 ◽  
Vol 13 (11) ◽  
pp. 6194
Author(s):  
Selma Tchoketch_Kebir ◽  
Nawal Cheggaga ◽  
Adrian Ilinca ◽  
Sabri Boulouma

This paper presents an efficient neural network-based method for fault diagnosis in photovoltaic arrays. The proposed method was elaborated on three main steps: the data-feeding step, the fault-modeling step, and the decision step. The first step consists of feeding the real meteorological and electrical data to the neural networks, namely solar irradiance, panel temperature, photovoltaic-current, and photovoltaic-voltage. The second step consists of modeling a healthy mode of operation and five additional faulty operational modes; the modeling process is carried out using two networks of artificial neural networks. From this step, six classes are obtained, where each class corresponds to a predefined model, namely, the faultless scenario and five faulty scenarios. The third step involves the diagnosis decision about the system’s state. Based on the results from the above step, two probabilistic neural networks will classify each generated data according to the six classes. The obtained results show that the developed method can effectively detect different types of faults and classify them. Besides, this method still achieves high performances even in the presence of noises. It provides a diagnosis even in the presence of data injected at reduced real-time, which proves its robustness.


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