# Applying Hybrid Graph Neural Networks to Strengthen Credit Risk Analysis

arXiv: https://arxiv.org/abs/2410.04283 · HTML: https://mlsanity.com/paper/2410.04283/

## Key facts

- Cited by 8 papers in the map (data through 14 Oct 2026).
- Builds on 8 of its 21 references that are in the map.
- First posted on arXiv 5 Oct 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)
- [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)
- [Algorithm Research of ELMo Word Embedding and Deep Learning Multimodal Transformer in Image Description](https://mlsanity.com/paper/2408.06357/) (2024)
- [Applying Conditional Generative Adversarial Networks for Imaging Diagnosis](https://mlsanity.com/paper/2408.02074/) (2024)
- [Text classification optimization algorithm based on graph neural network](https://mlsanity.com/paper/2408.15257/) (2024)

## Built on by (most cited first, 8 of 8)

- [Self-Supervised Graph Neural Networks for Enhanced Feature Extraction in Heterogeneous Information Networks](https://mlsanity.com/paper/2410.17617/) (2024)
- [Emotion-Aware Interaction Design in Intelligent User Interface Using Multi-Modal Deep Learning](https://mlsanity.com/paper/2411.06326/) (2024)
- [Optimizing YOLOv5s Object Detection through Knowledge Distillation algorithm](https://mlsanity.com/paper/2410.12259/) (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)
- [Automated Genre-Aware Article Scoring and Feedback Using Large Language Models](https://mlsanity.com/paper/2410.14165/) (2024)
- [A Combined Encoder and Transformer Approach for Coherent and High-Quality Text Generation](https://mlsanity.com/paper/2411.12157/) (2024)
- [Leveraging Semi-Supervised Learning to Enhance Data Mining for Image Classification under Limited Labeled Data](https://mlsanity.com/paper/2411.18622/) (2024)

## Abstract (arXiv)

This paper presents a novel approach to credit risk prediction by employing Graph Convolutional Neural Networks (GCNNs) to assess the creditworthiness of borrowers. Leveraging the power of big data and artificial intelligence, the proposed method addresses the challenges faced by traditional credit risk assessment models, particularly in handling imbalanced datasets and extracting meaningful features from complex relationships. The paper begins by transforming raw borrower data into graph-structured data, where borrowers and their relationships are represented as nodes and edges, respectively. A classic subgraph convolutional model is then applied to extract local features, followed by the introduction of a hybrid GCNN model that integrates both local and global convolutional operators to capture a comprehensive representation of node features. The hybrid model incorporates an attention mechanism to adaptively select features, mitigating issues of over-smoothing and insufficient feature consideration. The study demonstrates the potential of GCNNs in improving the accuracy of credit risk prediction, offering a robust solution for financial institutions seeking to enhance their lending decision-making processes.