2 papers
cs.LG2025
Implementation of an Asymmetric Adjusted Activation Function for Class Imbalance Credit Scoring
Xia Li, Hanghang Zheng, Kunpeng Tao +1
Credit scoring is a systematic approach to evaluate a borrower's probability of default (PD) on a bank loan. The data associated with such scenarios are characteristically imbalanc…
cs.LG2025
Class-Imbalanced-Aware Adaptive Dataset Distillation for Scalable Pretrained Model on Credit Scoring
Xia Li, Hanghang Zheng, Xiwei Zhuang +5
The advent of artificial intelligence has significantly enhanced credit scoring technologies. Despite the remarkable efficacy of advanced deep learning models, mainstream adoption…