Credit scoring model for fintech lending : an integration of large language models and FocalPoly loss
Yufei Xia, Zhiyin Han, Yawen Li, Lingyun He
| Year of publication: |
2025
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| Authors: | Xia, Yufei ; Han, Zhiyin ; Li, Yawen ; He, Lingyun |
| Published in: |
International journal of forecasting. - Amsterdam [u.a.] : Elsevier Science, ISSN 0169-2070, ZDB-ID 1495951-3. - Vol. 41.2025, 3, p. 894-919
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| Subject: | BERT | Credit scoring | ERNIE 4.0 | Fintech lending | Focal loss | GPT-4 | Imbalanced learning | Large language model | Kreditwürdigkeit | Credit rating | Finanztechnologie | Financial technology | Kreditgeschäft | Bank lending | Künstliche Intelligenz | Artificial intelligence | Kreditrisiko | Credit risk |
| Type of publication: | Article |
|---|---|
| Type of publication (narrower categories): | Aufsatz in Zeitschrift ; Article in journal |
| Language: | English |
| Other identifiers: | 10.1016/j.ijforecast.2024.07.005 [DOI] |
| Source: | ECONIS - Online Catalogue of the ZBW |
Persistent link: https://www.econbiz.de/10015441507