Chinese Small Business Credit Scoring: Application of Multiple Hybrids Neural Network

Abstract

Abstract

Credit Risk Rating System of Small Enterprises Based on the Index Importance

“…In the indicator screening and evaluation methods, there are many researches, for example, Guotai et al [7] using multiple hybrid screening index which reflects the information repeated of index, and using logistic regression discriminant the key factors which can significant distinguish the default and non-default customers. Shi and Chi [8] have established the index system of credit evaluation for framer loans using the method of Significant discriminant.…”

“…Fan and Zhu [9] established the credit rating system for SMEs through the correlation analysis delete redundant index, and by discrimination analysis retain the indicators which have big identify ability. Abedin et al [10] established Chinese small business credit risk evaluation system including 81 indicators, which using filter analysis to delete duplicate index, and employing significant discriminant method screened indicator which cannot significant distinguish the default state.…”

“…Data cannot be observed in column 8 th in table 3 with "Unavailability delete" mark. [3][4][5][6], [9][10][11][12][13] Reserved…”

Point and interval prediction of crude oil futures prices based on chaos theory and multiobjective slime mold algorithm

“…A hybrid model is a combination of several single models through an optimization algorithm. It can inherit the advantages of every single model, thereby improving the prediction accuracy and stability (Guotai et al, 2017b ; Hu et al, 2021 ; Jiang et al, 2020 ; Khalilpourazari and Doulabi, 2021 ). In existing studies, the most commonly used optimization algorithms are the genetic algorithm (GA) (Yang et al, 2019 ), particle swarm optimization (PSO) (Ribeiro et al, 2021 ), ant lion optimization algorithm (ALO) (P. et al, 2018 ), frog-leaping algorithm (FLA) (He et al, 2021 ), and whale optimization algorithm (WOA) (Lin and Zhang, 2021 ).…”