2 papers
cs.LG2026
Integrated Multivariate Segmentation Tree for Heterogeneous Credit Data Analysis in Small- and Medium-Sized Enterprises
Lu Han, Xiuying Wang
Traditional decision tree models, which rely exclusively on numerical variables, often face challenges in handling high-dimensional data and are limited in their ability to incorpo…
cs.LG2025
Advanced spectral clustering for heterogeneous data in credit risk monitoring systems
Lu Han, Mengyan Li, Jiping Qiang +1
Heterogeneous data, which encompass both numerical financial variables and textual records, present substantial challenges for credit monitoring. To address this issue, we propose…