2022
DOI: 10.1155/2022/6826573
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The Evaluation on the Credit Risk of Enterprises with the CNN-LSTM-ATT Model

Abstract: Credit evaluation is a difficult problem in the process of financing and loan for small and medium-sized enterprises. Due to the high dimension and nonlinearity of enterprise behavior data, traditional logistic regression (LR), random forest (RF), and other methods, when the feature space is very large, it is easy to show low accuracy and lack of robustness. However, recurrent neural network (RNN) will have a serious gradient disappearance problem under long sequence training. This paper proposes a compound ne… Show more

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Cited by 10 publications
(2 citation statements)
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“…This combination of accuracy and efficiency is crucial for real-time applications where timely anomaly detection is paramount. The model's ability to process vast amounts of data efficiently makes it well-suited for deployment in big data environments where processing speed is essential [17].  Deep learning emerges as a promising approach for building intelligent, real-time network traffic analytics systems.…”
Section: ) Discussionmentioning
confidence: 99%
“…This combination of accuracy and efficiency is crucial for real-time applications where timely anomaly detection is paramount. The model's ability to process vast amounts of data efficiently makes it well-suited for deployment in big data environments where processing speed is essential [17].  Deep learning emerges as a promising approach for building intelligent, real-time network traffic analytics systems.…”
Section: ) Discussionmentioning
confidence: 99%
“…CNN mainly consists of convolutions, pooling and full connections (FC). Convolutions and pooling are responsible for feature extraction, while FNN is used for classification recognition [29]. The structure is shown in Figure 3.…”
Section: Cnn Modelmentioning
confidence: 99%