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This paper develops a new combination model incorporating three excellent classification algorithms to solve the bank customer credit rating problem. Computational results on well-known credit records from German, Australian, Chinese and Japan banks show that, compared with other state-of-the-art classification algorithms, the proposed algorithm has higher efficiency and better evaluation results...
In order to detect the security of Android software which isn't installed efficiently and accurately, this paper proposes a new malware detection method based on system calls frequency. Software samples are pretreated by Classification to refine and distinguish characteristics of various types of Android software; Restrictions and normalization are applied to process system call frequency information...
This paper presents a simulated annealing based rule extraction algorithm (SAREA) for credit scoring problems. In previous studies, several classification algorithms like statistical models, mathematical programming, and artificial intelligence techniques have been used. This paper aims to illustrate the ability of SA to develop accurate classifiers for credit scoring problems. The use of SA is a...
Neural network-based systems that allow the system, through an analysis of historical data, to determine the relationship between account characteristics and the probability of default. The backpropagation algorithm - the multilayer feedforward network structure is described based on data with nine financial ratios from 81 firms listed in China. A simulation on network is made. Neural network model...
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