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A Hierarchical User Intention-Habit Extract Network for Credit Loan Overdue Risk Detection
[article]
2020
arXiv
pre-print
More personal consumer loan products are emerging in mobile banking APP. For ease of use, application process is always simple, which means that few application information is requested for user to fill when applying for a loan, which is not conducive to construct users' credit profile. Thus, the simple application process brings huge challenges to the overdue risk detection, as higher overdue rate will result in greater economic losses to the bank. In this paper, we propose a model named
arXiv:2008.07796v1
fatcat:rr4ej4u2orf7lbkzxx74j5ax2u