计算机科学 ›› 2021, Vol. 48 ›› Issue (4): 85-90.doi: 10.11896/jsjkx.200500109
所属专题： 大数据&数据科学 虚拟专题
李思迪, 郭炳晖, 杨小博
LI Si-di, GUO Bing-hui, YANG Xiao-bo
摘要： 金融机构对申请借贷的用户进行信用评价是互联网金融领域的前沿方向之一。首先,基于互联网金融借贷网络历史数据,通过用户间借贷关系的网络化建模来反映融合用户节点与周边关系节点相互作用的借贷关联作用的复杂网络。其次,通过引入基于节点中心性结构特征指标的图神经网络模型,提出了具有邻接圈层信息与借贷信用信息耦合的个人征信评估模型。最后,模型在包含756 100条交易记录的历史数据集上运行实现,并与BP神经网络算法和RF-Logistic模型进行了对比,结果显示所提模型具有更高的评估准确率。
中图分类号:
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