# Unveiling the Potential of Graph Neural Networks in SME Credit Risk Assessment

arXiv: https://arxiv.org/abs/2409.17909 · HTML: https://mlsanity.com/paper/2409.17909/

## Key facts

- Cited by 9 papers in the map (data through 14 Oct 2026).
- Builds on 8 of its 20 references that are in the map.
- First posted on arXiv 23 Sep 2024.

## Builds on (most cited first, 8 of 8)

- [NDC-Scene: Boost Monocular 3D Semantic Scene Completion in Normalized Device Coordinates Space](https://mlsanity.com/paper/2309.14616/) (2023)
- [Survival Prediction Across Diverse Cancer Types Using Neural Networks](https://mlsanity.com/paper/2404.08713/) (2024)
- [Adaptive Friction in Deep Learning: Enhancing Optimizers with Sigmoid and Tanh Function](https://mlsanity.com/paper/2408.11839/) (2024)
- [Attention Mechanism and Context Modeling System for Text Mining Machine Translation](https://mlsanity.com/paper/2408.04216/) (2024)
- [Efficiency optimization of large-scale language models based on deep learning in natural language processing tasks](https://mlsanity.com/paper/2405.11704/) (2024)
- [A comparative study of generative adversarial networks for image recognition algorithms based on deep learning and traditional methods](https://mlsanity.com/paper/2408.03568/) (2024)
- [Advanced Financial Fraud Detection Using GNN-CL Model](https://mlsanity.com/paper/2407.06529/) (2024)
- [An Enhanced Encoder-Decoder Network Architecture for Reducing Information Loss in Image Semantic Segmentation](https://mlsanity.com/paper/2406.01605/) (2024)

## Built on by (most cited first, 9 of 9)

- [Self-Supervised Graph Neural Networks for Enhanced Feature Extraction in Heterogeneous Information Networks](https://mlsanity.com/paper/2410.17617/) (2024)
- [Advanced RAG Models with Graph Structures: Optimizing Complex Knowledge Reasoning and Text Generation](https://mlsanity.com/paper/2411.03572/) (2024)
- [Emotion-Aware Interaction Design in Intelligent User Interface Using Multi-Modal Deep Learning](https://mlsanity.com/paper/2411.06326/) (2024)
- [Self-Supervised Learning in Deep Networks: A Pathway to Robust Few-Shot Classification](https://mlsanity.com/paper/2411.12151/) (2024)
- [Enhancing Few-Shot Learning with Integrated Data and GAN Model Approaches](https://mlsanity.com/paper/2411.16567/) (2024)
- [Reinforcement Learning for Adaptive Resource Scheduling in Complex System Environments](https://mlsanity.com/paper/2411.05346/) (2024)
- [Leveraging Semi-Supervised Learning to Enhance Data Mining for Image Classification under Limited Labeled Data](https://mlsanity.com/paper/2411.18622/) (2024)
- [Predicting Liquidity Coverage Ratio with Gated Recurrent Units: A Deep Learning Model for Risk Management](https://mlsanity.com/paper/2410.19211/) (2024)
- [Optimizing Retrieval-Augmented Generation with Elasticsearch for Enhanced Question-Answering Systems](https://mlsanity.com/paper/2410.14167/) (2024)

## Abstract (arXiv)

This paper takes the graph neural network as the technical framework, integrates the intrinsic connections between enterprise financial indicators, and proposes a model for enterprise credit risk assessment. The main research work includes: Firstly, based on the experience of predecessors, we selected 29 enterprise financial data indicators, abstracted each indicator as a vertex, deeply analyzed the relationships between the indicators, constructed a similarity matrix of indicators, and used the maximum spanning tree algorithm to achieve the graph structure mapping of enterprises; secondly, in the representation learning phase of the mapped graph, a graph neural network model was built to obtain its embedded representation. The feature vector of each node was expanded to 32 dimensions, and three GraphSAGE operations were performed on the graph, with the results pooled using the Pool operation, and the final output of three feature vectors was averaged to obtain the graph's embedded representation; finally, a classifier was constructed using a two-layer fully connected network to complete the prediction task. Experimental results on real enterprise data show that the model proposed in this paper can well complete the multi-level credit level estimation of enterprises. Furthermore, the tree-structured graph mapping deeply portrays the intrinsic connections of various indicator data of the company, and according to the ROC and other evaluation criteria, the model's classification effect is significant and has good "robustness".