Factorization Machine Based Business Credit Scoring by Leveraging Internet Data
Small business accounts for an important part in national economy.However,there are many difficulties for small business to get loan from big banks.Although big banks have begun to accept small loan over the last decades,the threshold is relatively too high.Therefore,many banks have to search help from outside vendors that provide small business credit scoring service,which in return increases their costs.Existing small business credit scoring systems ignore the Internet information,especially Web.This paper introduces a factorization machine model to predict credit scores for small firms.In this model,we combine firmsbasic information with Internet data.Experimental results show that our result is better than traditional linear regression.A demo system is given in the end.
Ge Zhu Lin Li
Wuhan University of Technology,Wuhan,China
国际会议
International Asia-Pacific Web Conference(第18届国际亚太互联网大会)
苏州
英文
565-569
2016-09-23（万方平台首次上网日期，不代表论文的发表时间）