Qiuying Shen1, Wentao Zhang1, Mofei Song2,*
CMC-Computers, Materials & Continua, Vol.75, No.1, pp. 197-217, 2023, DOI:10.32604/cmc.2023.036365
Abstract With the rapid development of the internet of things (IoT), electricity consumption data can be captured and recorded in the IoT cloud center. This provides a credible data source for enterprise credit scoring, which is one of the most vital elements during the financial decision-making process. Accordingly, this paper proposes to use deep learning to train an enterprise credit scoring model by inputting the electricity consumption data. Instead of predicting the credit rating, our method can generate an absolute credit score by a novel deep ranking model–ranking extreme gradient boosting net (rankXGB). To boost the performance, the rankXGB model combines… More >
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