2 papers
cs.CV2026
ChronoPhyBench: Do MLLMs Truly Understand the World or Merely Exploit Language Priors?
Bin Zhu, Yanhao Jia, Kexin Zhao +12
Recent advancements in Multimodal Large Language Models (MLLMs) have demonstrated remarkable proficiency in open-world reasoning and understanding. However, a critical ambiguity pe…
cs.LG2025
Multi-Treatment-DML: Causal Estimation for Multi-Dimensional Continuous Treatments with Monotonicity Constraints in Personal Loan Risk Optimization
Kexin Zhao, Bo Wang, Cuiying Zhao +1
Optimizing credit limits, interest rates, and loan terms is crucial for managing borrower risk and lifetime value (LTV) in personal loan platform. However, counterfactual estimatio…