{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2024,7,12]],"date-time":"2024-07-12T19:12:36Z","timestamp":1720811556251},"reference-count":42,"publisher":"Springer Science and Business Media LLC","issue":"3","license":[{"start":{"date-parts":[[2013,4,17]],"date-time":"2013-04-17T00:00:00Z","timestamp":1366156800000},"content-version":"tdm","delay-in-days":0,"URL":"http:\/\/www.springer.com\/tdm"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["Inf Technol Manag"],"published-print":{"date-parts":[[2013,9]]},"DOI":"10.1007\/s10799-013-0161-1","type":"journal-article","created":{"date-parts":[[2013,4,16]],"date-time":"2013-04-16T03:52:03Z","timestamp":1366084323000},"page":"193-204","source":"Crossref","is-referenced-by-count":6,"title":["A loan default discrimination model using cost-sensitive support vector machine improved by PSO"],"prefix":"10.1007","volume":"14","author":[{"given":"Jie","family":"Cao","sequence":"first","affiliation":[]},{"given":"Hongke","family":"Lu","sequence":"additional","affiliation":[]},{"given":"Weiwei","family":"Wang","sequence":"additional","affiliation":[]},{"given":"Jian","family":"Wang","sequence":"additional","affiliation":[]}],"member":"297","published-online":{"date-parts":[[2013,4,17]]},"reference":[{"issue":"4","key":"161_CR1","first-page":"3326","volume":"37","author":"T Bhekisipho","year":"2009","unstructured":"Bhekisipho T (2009) Multiple classifier application to credit risk assessment. Expert Syst Appl 37(4):3326\u20133336","journal-title":"Expert Syst Appl"},{"key":"161_CR2","doi-asserted-by":"crossref","first-page":"33","DOI":"10.1016\/S1874-8651(08)60049-6","volume":"27","author":"RW Ma","year":"2007","unstructured":"Ma RW, Tang CY (2007) Building up default predicting model based on logistic model and misclassification loss. Syst Eng Theory Pract 27:33\u201338","journal-title":"Syst Eng Theory Pract"},{"issue":"4","key":"161_CR3","first-page":"27","volume":"28","author":"KL Ke","year":"2008","unstructured":"Ke KL, Feng ZX (2008) Short-term loan default prediction based on integration of rough sets and genetic algorithm. Syst Eng Theory Pract 28(4):27\u201334","journal-title":"Syst Eng Theory Pract"},{"issue":"3","key":"161_CR4","doi-asserted-by":"crossref","first-page":"652","DOI":"10.1016\/j.eswa.2005.09.070","volume":"31","author":"SH Min","year":"2006","unstructured":"Min SH, Lee J, Han I (2006) Hybrid genetic algorithms and support vector machines for bankruptcy prediction. Expert Syst Appl 31(3):652\u2013660","journal-title":"Expert Syst Appl"},{"key":"161_CR5","doi-asserted-by":"crossref","first-page":"5256","DOI":"10.1016\/j.eswa.2008.06.073","volume":"36","author":"JH Min","year":"2009","unstructured":"Min JH, Jeong C (2009) A binary classification method for bankruptcy prediction. Expert Syst Appl 36:5256\u20135263","journal-title":"Expert Syst Appl"},{"key":"161_CR6","doi-asserted-by":"crossref","first-page":"8336","DOI":"10.1016\/j.eswa.2011.01.021","volume":"38","author":"ZJ Yang","year":"2011","unstructured":"Yang ZJ, You WJ, Ji GL (2011) Using partial least squares and support vector machines for bankruptcy prediction. Expert Syst Appl 38:8336\u20138342","journal-title":"Expert Syst Appl"},{"issue":"4","key":"161_CR7","doi-asserted-by":"crossref","first-page":"543","DOI":"10.1016\/S0167-9236(03)00086-1","volume":"37","author":"Z Huang","year":"2004","unstructured":"Huang Z, Chen H, Hsu CJ et al (2004) Credit rating analysis with support vector machines and neural networks: a market comparative study. Decis Support Syst 37(4):543\u2013558","journal-title":"Decis Support Syst"},{"issue":"1","key":"161_CR8","doi-asserted-by":"crossref","first-page":"41","DOI":"10.1016\/j.eswa.2005.01.003","volume":"29","author":"CS Ong","year":"2005","unstructured":"Ong CS, Huang JJ, Tzeng GH (2005) Building credit scoring models using genetic programming. Expert Syst Appl 29(1):41\u201347","journal-title":"Expert Syst Appl"},{"key":"161_CR9","doi-asserted-by":"crossref","first-page":"1","DOI":"10.1145\/1007730.1007733","volume":"6","author":"N Chawla","year":"2004","unstructured":"Chawla N, Japkowicz N, Kolcz A (2004) Editorial: special issues on learning from imbalanced data sets. SIGKDD Explor 6:1\u20136","journal-title":"SIGKDD Explor"},{"key":"161_CR10","unstructured":"Mccarthy K, Zabar B, Weiss G (2005) Does cost-sensitive learning beat sampling for classifying rare classes? In: proceedings of the ACM SIGKDD first international workshop on utility-based data mining. ACM Press, pp. 69\u201375"},{"issue":"6","key":"161_CR11","doi-asserted-by":"crossref","first-page":"2124","DOI":"10.1016\/j.scitotenv.2008.12.007","volume":"407","author":"CH Tsai","year":"2009","unstructured":"Tsai CH, Chang LC, Chiang HC (2009) Forecasting of ozone episode days by cost-sensitive neural network methods. Sci Total Environ 407(6):2124\u20132135","journal-title":"Sci Total Environ"},{"key":"161_CR12","unstructured":"Maloof M (2003) Learning when data sets are imbalanced and when costs are unequal and unknown. In: proceedings of the ICML-2003 workshop: learning with imbalanced data sets II, pp. 73\u2013f80"},{"key":"161_CR13","doi-asserted-by":"crossref","first-page":"63","DOI":"10.1109\/TKDE.2006.17","volume":"18","author":"ZH Zhou","year":"2006","unstructured":"Zhou ZH, Liu XY (2006) Training cost-sensitive neural networks with methods addressing the class imbalance problem. IEEE Trans Knowl Data Eng 18:63\u201377","journal-title":"IEEE Trans Knowl Data Eng"},{"key":"161_CR14","doi-asserted-by":"crossref","first-page":"297","DOI":"10.1007\/s10799-012-0123-z","volume":"13","author":"Z Li","year":"2012","unstructured":"Li Z, Ling L, Lian D (2012) Business intelligence in enterprise computing environment. Inf Technol Manage 13:297\u2013310","journal-title":"Inf Technol Manage"},{"key":"161_CR15","doi-asserted-by":"crossref","first-page":"15392","DOI":"10.1016\/j.eswa.2011.06.023","volume":"38","author":"L Yu","year":"2011","unstructured":"Yu L, Yao X, Wang SY, Lai KK (2011) Credit risk evaluation using a weighted least squares SVM classifier with design of experiment for parameter selection. Expert Syst Appl 38:15392\u201315399","journal-title":"Expert Syst Appl"},{"issue":"6","key":"161_CR16","doi-asserted-by":"crossref","first-page":"637","DOI":"10.1109\/34.683777","volume":"20","author":"M Pontil","year":"1998","unstructured":"Pontil M, Verri A (1998) Support vector machines for 3D object recognition. IEEE Trans Pattern Anal Mach Intell 20(6):637\u2013646","journal-title":"IEEE Trans Pattern Anal Mach Intell"},{"key":"161_CR17","unstructured":"Yu GX, Ostrouchov G, Geist A, et al (2003) An SVM based algorithm for identification of photosynthesis-specific genome features. Second IEEE computer society bioinformatics conference. CA, USA, pp. 235\u2013243"},{"key":"161_CR18","unstructured":"Joachims T (1998) Text categorization with SVM: learning with many relevant features. In: proceedings of ECML-98,10th European conference on machine learning, Vol. 1398"},{"key":"161_CR19","doi-asserted-by":"crossref","unstructured":"Tong S, Chang E (2001) Support vector machine active learning for image retrieval. In: proceedings of ACM international conference on multimedia, pp. 107\u2013118","DOI":"10.1145\/500141.500159"},{"key":"161_CR20","unstructured":"Wu G, Chang E (2003) Class-boundary alignment for imbalanced dataset learning. In: ICML 2003 workshop on learning from imbalanced data sets II. Washington, DC"},{"key":"161_CR21","unstructured":"Cristianini N, Kandola J, Elisseeff A, et al (2001) On kernel target alignment. In: Advances in neural information processing systems, vol 14, pp 367\u2013373"},{"key":"161_CR22","first-page":"55","volume-title":"IJCAI: proceedings of international joint conference on artificial intelligence","author":"K Veropoulos","year":"1999","unstructured":"Veropoulos K, Campbell C, Cristianini N (1999) Controlling the sensitivity of support vector machines. In: Dean T (ed) IJCAI: proceedings of international joint conference on artificial intelligence. Morgan Kaufmann, Stockholm, pp 55\u201360"},{"issue":"2","key":"161_CR23","doi-asserted-by":"crossref","first-page":"730","DOI":"10.1016\/j.snb.2004.12.005","volume":"107","author":"M Pardo","year":"2005","unstructured":"Pardo M, Sberveglieri G (2005) Classification of electronic nose data with support vector machines. Sens Actuators B Chem 107(2):730\u2013737","journal-title":"Sens Actuators B Chem"},{"issue":"17","key":"161_CR24","doi-asserted-by":"crossref","first-page":"2669","DOI":"10.1016\/j.enconman.2005.02.004","volume":"46","author":"PF Pai","year":"2005","unstructured":"Pai PF, Hong WC (2005) Support vector machines with simulated annealing algorithms in electricity load forecasting. Energy Convers Manage 46(17):2669\u20132688","journal-title":"Energy Convers Manage"},{"issue":"4","key":"161_CR25","doi-asserted-by":"crossref","first-page":"847","DOI":"10.1016\/j.eswa.2006.07.007","volume":"33","author":"CL Huang","year":"2007","unstructured":"Huang CL, Chen MC, Wang CJ (2007) Credit scoring with A data mining approach based on support vector machines. Expert Syst Appl 33(4):847\u2013856","journal-title":"Expert Syst Appl"},{"issue":"4","key":"161_CR26","doi-asserted-by":"crossref","first-page":"1817","DOI":"10.1016\/j.eswa.2007.08.088","volume":"35","author":"SW Lin","year":"2008","unstructured":"Lin SW, Ying KC, Chen SC et al (2008) Particle swarm optimization for parameter determination and feature selection of support vector machines. Expert Syst Appl 35(4):1817\u20131824","journal-title":"Expert Syst Appl"},{"key":"161_CR27","doi-asserted-by":"crossref","first-page":"271","DOI":"10.1016\/j.ymssp.2004.03.002","volume":"19","author":"L Zhang","year":"2005","unstructured":"Zhang L, Jack LB, Nandi AK (2005) Fault detection using genetic programming. Mech Syst Signal Process 19:271\u2013289","journal-title":"Mech Syst Signal Process"},{"key":"161_CR28","doi-asserted-by":"crossref","first-page":"231","DOI":"10.1016\/j.eswa.2005.09.024","volume":"31","author":"CL Huang","year":"2006","unstructured":"Huang CL, Wang CJ (2006) A GA-based feature selection and parameters optimization for support vector machines. Expert Syst Appl 31:231\u2013240","journal-title":"Expert Syst Appl"},{"key":"161_CR29","doi-asserted-by":"crossref","first-page":"1381","DOI":"10.1016\/j.asoc.2007.10.007","volume":"8","author":"CL Huang","year":"2008","unstructured":"Huang CL, Dun JF (2008) A distributed PSO\u2013SVM hybrid system with feature selection and parameter optimization. Appl Soft Comput 8:1381\u20131391","journal-title":"Appl Soft Comput"},{"issue":"4","key":"161_CR30","doi-asserted-by":"crossref","first-page":"857","DOI":"10.1142\/S021962201250023X","volume":"11","author":"J Cao","year":"2012","unstructured":"Cao J, Lu HK, Wang WW et al (2012) A novel five-category loan-risk evaluation model using multiclass LS-SVM By PSO. Int Journal Inf Technol Decis Mak 11(4):857\u2013874","journal-title":"Int Journal Inf Technol Decis Mak"},{"key":"161_CR31","doi-asserted-by":"crossref","first-page":"121","DOI":"10.1023\/A:1009715923555","volume":"2","author":"CJC Burgers","year":"1998","unstructured":"Burgers CJC (1998) A tutorial on support vector machines for pattern recognition. Data Min Knowl Disc 2:121\u2013167","journal-title":"Data Min Knowl Disc"},{"key":"161_CR32","doi-asserted-by":"crossref","unstructured":"Shi Y, Eberhart RC (1998) A modified particle swarm optimizer. In: proceeding of the IEEE congress on evolutionary computation, pp. 69\u201373","DOI":"10.1109\/ICEC.1998.699146"},{"issue":"12","key":"161_CR33","first-page":"1385","volume":"22","author":"KW Xia","year":"2007","unstructured":"Xia KW, Dong Y, Du HL (2007) Oil layer recognition model of LS-SVM based on improved PSO algorithm. Control Decis 22(12):1385\u20131389","journal-title":"Control Decis"},{"issue":"4","key":"161_CR34","first-page":"116","volume":"21","author":"Z Tao","year":"2003","unstructured":"Tao Z, Xu BD, Wang DW et al (2003) Rough set knowledge reduction approach based on GA. Syst Eng 21(4):116\u2013122","journal-title":"Syst Eng"},{"issue":"4","key":"161_CR35","first-page":"759","volume":"25","author":"KL Ke","year":"2008","unstructured":"Ke KL, Feng ZX (2008) Five-category classification of loan risk based on integration of rough sets and neural network system. Control Theory Appl 25(4):759\u2013763","journal-title":"Control Theory Appl"},{"key":"161_CR36","doi-asserted-by":"crossref","DOI":"10.1007\/978-3-642-88163-3","volume-title":"Self-organization and associative memory","author":"T Kohonen","year":"1989","unstructured":"Kohonen T (1989) Self-organization and associative memory. Springer-Verlag, New York"},{"key":"161_CR37","doi-asserted-by":"crossref","unstructured":"Kohonen T (1995) Self-organizing maps. Springer, Berlin. Vol.27, No. 2, pp. 278\u2013279","DOI":"10.1007\/978-3-642-97610-0"},{"key":"161_CR38","first-page":"92","volume":"4","author":"DS Wu","year":"2004","unstructured":"Wu DS, Liang L (2004) Research of credit score based on V-fold cross-validation and elman neural networks. Syst Eng Theory Pract 4:92\u201398","journal-title":"Syst Eng Theory Pract"},{"key":"161_CR39","doi-asserted-by":"crossref","first-page":"40","DOI":"10.1016\/S1874-8651(09)60006-5","volume":"1","author":"F Xue","year":"2008","unstructured":"Xue F, Ke KL (2008) Five-category evaluation of commercial bank\u2019s loan based on integration of rough sets and neural network. Syst Eng Theory Pract 1:40\u201345","journal-title":"Syst Eng Theory Pract"},{"key":"161_CR40","first-page":"185","volume":"04","author":"M Zhang","year":"2009","unstructured":"Zhang M, Zhou ZF (2009) An evaluation model for credit risk of enterprise based on multi-objective programming and support vector machines. China soft sci mag 04:185\u2013190","journal-title":"China soft sci mag"},{"key":"161_CR41","unstructured":"Chang CC, Lin CJ (2001) LIBSVM: a library for support vector machines. Software available at: http:\/\/www.csie.ntu.edu.tw\/cjlin\/libsvm"},{"key":"161_CR42","unstructured":"Oos P, Vanhoof K, Ooghe H (1999) Credit classification: a comparison of logic models and decision. In: proceedings of European conference on machine learning. Chemnitz: [s. n.]"}],"container-title":["Information Technology and Management"],"original-title":[],"language":"en","link":[{"URL":"http:\/\/link.springer.com\/content\/pdf\/10.1007\/s10799-013-0161-1.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"text-mining"},{"URL":"http:\/\/link.springer.com\/article\/10.1007\/s10799-013-0161-1\/fulltext.html","content-type":"text\/html","content-version":"vor","intended-application":"text-mining"},{"URL":"http:\/\/link.springer.com\/content\/pdf\/10.1007\/s10799-013-0161-1","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2019,7,12]],"date-time":"2019-07-12T16:11:02Z","timestamp":1562947862000},"score":1,"resource":{"primary":{"URL":"http:\/\/link.springer.com\/10.1007\/s10799-013-0161-1"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2013,4,17]]},"references-count":42,"journal-issue":{"issue":"3","published-print":{"date-parts":[[2013,9]]}},"alternative-id":["161"],"URL":"https:\/\/doi.org\/10.1007\/s10799-013-0161-1","relation":{},"ISSN":["1385-951X","1573-7667"],"issn-type":[{"value":"1385-951X","type":"print"},{"value":"1573-7667","type":"electronic"}],"subject":[],"published":{"date-parts":[[2013,4,17]]}}}