Building an efficient and effective credit scorer for enterprises is an important and urgent demand in the cross-border e-commerce industry. In this paper, we present a framework to build a credit scorer using e-commerce data integrated from various sources. First, an improved dependency graph approach is proposed to recognize distinct records in the dataset. Then, we apply logistic regression using a prejudice remover regularizer to train the model, preceded by predictor preparation through binning and evaluating their information value. Lastly, we build the credit scorer according to the coefficients of the model. We implement our framework on a dataset from the official customs database and a large cross-border e-commerce platform. The empirical results demonstrate that the scorer built by our methodology can be used to effectively evaluate enterprises, while also removing prejudice against small and medium enterprises to a certain extent.

Pneumonia is an acute respiratory infection that affects the lungs. It is the single largest infectious disease that kills children worldwide. According to a 2019 World Health Organization survey, pneumonia caused 740,180 deaths in children under 5 years of age, accounting for 14% of all deaths in children under 5 years of age but 22% of all deaths in children aged 1 to 5 years. This shows that early recognition of pneumonia in children is particularly important. In this study, we propose a pneumonia binary classification model for chest X-ray image recognition based on a deep learning approach. We extract features using a traditional convolutional network framework to obtain features containing rich semantic information. The adjacency matrix is also constructed to represent the degree of relevance of each region in the image. In the final part of the model, we use graph inference to complete the global modeling to help classify pneumonia disease. A total of 6189 children’s X-ray films containing 3319 normal cases and 2870 pneumonia cases were used in the experiment. In total, 20% was selected as the test data set, and 11 common models were compared using 4 evaluation metrics, of which the accuracy rate reached 89.1% and the F1-score reached 90%, achieving the optimum.