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Lending loans to borrowers is considered one of the main profit sources for banks and financial institutions. Thus, careful assessment and evaluation should be taken when deciding to grant credit to potential borrowers. With the rapid growth of credit industry and the massive volume of financial data, developing effective credit scoring models is very crucial. The literature in this area is very dense...
Online Peer-to-Peer (P2P) lending has achieved explosive development recently, which could be beneficial to both sides of individual lending. In this study, a data mining (DM) approach to predict the performance of P2P loan before funded is proposed. Using data from the Lending Club, we explore the characteristics of loan and its applicant and use random forest to do the feature selection in the modeling...
Along with the increase number of users for the credit, the screening of applicants becomes very significant. If the credit of applicants is bad, the bank will obtain a great loss. Support vector machine (SVM) is one of the most popular kinds of algorithms for the new consumer's credit approval. However, there is a disadvantage that the more close to the optimal hyper plane, the greater possibility...
It should improve the forecasting accuracy in the study of precipitation prediction. It is difficultly to predict climate because of the dynamic characteristics of sample set as well as the effect of environmental factors. In order to improve the accuracy, a novel model based on time series and environmental factors was introduced in this paper. Firstly, the environmental factors were nonlinear screened...
This paper proposes a no-reference cross-layer video quality estimation model for low-resolution video over wireless networks. The estimation model contains two parts as feature processing and quality prediction. The first part covers the content-aware features, network layer features and application layer features. As for the content-awareness, by using the weighted Euclidean distance, the temporal...
Software reliability prediction classifies software modules as fault-prone modules and less fault-prone modules at the early age of software development. As to a difficult problem of choosing parameters for Support Vector Machine (SVM), this paper introduces Particle Swarm Optimization (PSO) to automatically optimize the parameters of SVM, and constructs a software reliability prediction model based...
Under real and continuously improving manufacturing conditions, lithography hotspot detection faces several key challenges. First, real hotspots become less but harder to fix at post-layout stages; second, false alarm rate must be kept low to avoid excessive and expensive post-processing hotspot removal; third, full chip physical verification and optimization require fast turn-around time. To address...
Multi-scale kernel function learning is a special case of multi-kernel learning, namely combines several multi-scale kernels. This approach is more flexible. It provides more comprehensive choice of scale than the mixed kernel learning. In this paper, the model's parameters of multi-scale Gaussian kernel were used as elementary particles. The parameters of multi-scale Gaussian kernel were global optimized...
Microarchitectural design involves exploring an exponentially large design space in order to determine an optimal configuration for a number of hardware parameters. Determining a particular combination of these parameters which lead to low power consumption can be daunting. New configurations must be tested on software simulators using benchmark programs which typically take a considerable amount...
From a new view of financial distress concept drift, this paper attempts to put forward a new method for dynamic financial distress prediction modeling based on slip time window and multiple support vector machines (SVMs). A new algorithm is designed to dynamically select the proper time window to handle concept drift, and then a dynamic classifier selection method is used to build a combined model...
In order to construct a high-performance ensemble classifier, it needs that the basic classifiers, which contained by the ensemble one, have higher classification precision and their classification error is independent from each other. In fact, it is too difficult to choose these basic classifiers satisfying the two conditions above. Rough reduction is the core in the fields of Rough Set theory. Each...
Methods for predicting protein secondary structure provide information that is useful both in ab initio structure prediction and as additional restraints for fold recognition algorithms. Secondary structure predictions may also be used to guide the design of site directed mutagenesis studies, and to locate potential functionally important residues. In this article, we propose a method of improved...
Accurate secondary-structure prediction is a key element in the prediction of tertiary structure, in all but the simplest homology modeling cases. After the study on this subject for 30 years and more, there have been some breakthroughs. Based on KDTICM theory, we have proposed a model, which is composed of four layers of the intelligent interface and integrated in several ways, such as SVM, KDD*,...
The occurrence of acute hypotensive episodes (AHE) in intensive care units (ICU) seriously endanger the lives of patients, and are depended mainly on the expert experience of doctors to treat currently. How to detect and predict AHE in advance has become a clinical problem which is highly paid attention to by the medical world. In this paper, the theory of medical Informatics has been applied to achieve...
A new QSAR model for the classification of estrogen receptor-?? (ER??) selective ligand has been developed with adaptive boosting (Adaboost) and support vector machine (SVM). Compound structures were drawn in Molinspiration WebME Editor and imported into the E-Dragon 1.0 software to calculate seven categories descriptors. The selection of variables for each descriptor was performed with particle swarm...
In order to ensure safety in coal production, full assurance is given for fully-mechanized excavated faces. Based on the vector supporting machine for regression (SVR), a model is established for predicting the gas emission in fully-mechanized excavated faces. The index system is analyzed and the model parameters are chosen. Then, the sample set of gas emission in fully-mechanized coal driving workface...
During gene expression, transcription factors are unable to bind to a transcription binding site (TFBS) involved in regulation if DNA methylation has occurred at the TFBS. Methyl-CpG-binding proteins may also occupy the TFBS and prevent the functioning of a transcription factor. Thus, the methylation status of CpG sites is an important issue when trying to understand gene regulation and shows strong...
Recently ensemble classification has attracted serious attention of machine learning community as a solution for improving classification accuracy. The effect of the strategies for generating the members, combining the predictions and the size of the ensemble on the accuracy of the ensemble are of utmost interest to the researchers. In this paper, we propose and empirically evaluate a novel method...
Difficulties in collection of electric toll have affected the normal operation and development of power supply bureau seriously. So the arrear problem of power customer has become one of the focus questions that power supply bureau pays attention to. In this paper, based on information entropy theory and on data mining technology, we have proposed a new data mining approach. This approach can measure...
In this paper, we applied culture particle swarm optimization algorithm (CPSO) to optimize the parameters of SVM. Utilizing the colony aptitude of particle swarm and the ability of conserving the evolving knowledge of the culture algorithm, this CPSO algorithm constructed the population space based on particle swarm and the knowledge space. The two spaces evolved independently, at the same time, the...
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