Summary
With the vigorous development of the financial sector, financial risks are showing a tendency toward diversification, particularly regarding the customer credit risk of commercial banks. Therefore, the customer's credit risk is being considered by financial institutions, and a credit evaluating model has emerged as a result. Currently, research has concentrated on enhancing the precision of the model, ignoring the interpretability, which makes it difficult to apply in the industry. Compared to precision, studies related to the interpretable model are limited. In our previous work, we did not consider model operation time and stability. Therefore, this study proposes a hybrid model based on the RIPPER algorithm. First, according to the characteristics of credit card data sets, targeted special data pretreatment methods are proposed. Next, the RELIEF method for feature selection removes the redundant features and further improves the interpretability of the model. Then, to address the problem of the imbalanced distribution of credit card data sets, a synthetic minority class sampling algorithm is used to equalize the samples. Finally, default credit card users are predicted by taking advantage of the rules generated by the RIPPER algorithm. To test the performance of the model, we used Taiwanese credit card customer data for empirical research. We considered model accuracy and interpretability when comparing the proposed SPR‐RIPPER model with the existing mainstream models. The results of the experiments indicate that the proposed model achieves acceptable results. This study demonstrates that the proposed credit card user default prediction model, SPR‐RIPPER, has practical application value.
The deployment of robots in real life applications is growing. For better control and analysis of robots, modeling and learning are the hot topics in the field. This paper proposes a method for learning a Petri net model from the limited attempts of robots. The method can supplement the information getting from robot system and then derive an accurate Petri net based on region theory accordingly. We take the building block world as an example to illustrate the presented method and prove the rationality of the method by two theorems. Moreover, the method described in this paper has been implemented by a program and tested on a set of examples. The results of experiments show that our algorithm is feasible and effective.
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