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Sep, 2024
揭示图神经网络在中小企业信用风险评估中的潜力
Unveiling the Potential of Graph Neural Networks in SME Credit Risk Assessment
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Bingyao Liu, Iris Li, Jianhua Yao, Yuan Chen, Guanming Huang...
TL;DR
本研究针对中小企业信用风险评估中的数据关系不足问题,提出了一种基于图神经网络的模型。通过构建金融指标之间的相似性矩阵并进行图结构映射,最终模型在真实企业数据上显示出显著的分类效果和鲁棒性,为企业信用风险评估提供了新的解决方案。
Abstract
This paper takes the graph neural network as the technical framework, integrates the intrinsic connections between
Enterprise Financial Indicators
, and proposes a model for enterprise
Credit Risk Assessment
. The
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