Credit approval classification through a WASD neuronet : доклад, тезисы доклада

Mourtas Spyridon D.

Дополнительные ссылки: eLibrary · Источник статьи

База данных: Каталог библиотеки СФУ

Библиографическое описание: Credit approval classification through a WASD neuronet : доклад, тезисы доклада / Spyridon D. Mourtas. - [S. l. : s. n.], 2025. - Текст : непосредственный // ITM Web of Conferences : III International Workshop / Hybrid Methods of Modeling and Optimization in Complex Systems (HMMOCS-III 2024) (2024 ; 02.12 - 04.12 ; Krasnoyarsk). - Krasnoyarsk, 2025. - P. 5006. - This work was supported by the Ministry of Science and Higher Education of the Russian Federation (Grant No. 075-15-2022-1121). - DOI 10.1051/itmconf/20257205006.

Аннотация: Because the banking business is growing, more people are seeking for bank loans, although banks can only lend to a certain number of applicants because they have a limited amount of assets to lend to. Hence, in order to save a lot of bank resources, the industry of banking is particularly concerned in developing ways to lower the risk element involved in selecting the safe applicant. These days, selecting the safe applicant requires a lot less work thanks to machine intelligence. In light of this, a new weights and structure determination (WASD) neuronet has been developed to address the two issues of credit approval mentioned above, as well as to manage its particular features. We improve the learning process of the WASD algorithm with a novel activation function for optimal adaptation to the credit approval model, motivated by the finding that WASD neuronets perform better than traditional back-propagation neuronets in terms of slow training speed and trapping in a local minima. An experimental study with an insurance company dataset demonstrates superior performance and adaptability to issues.

Год издания: 2025

Авторы: Mourtas Spyridon D.

Издательство: Krasnoyarsk

Источник: ITM Web of Conferences

Номера страниц: 5006

Держатель оригинала документа: National and Kapodistrian University of Athens, Siberian Federal University

Мероприятие: Hybrid Methods of Modeling and Optimization in Complex Systems (HMMOCS-III 2024) (Krasnoyarsk, 2024 ; 02.12 - 04.12)

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Credit approval classification through a WASD neuronet : доклад, тезисы доклада
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