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Prediction and Analysis of Financial Default Loan Behavior Based on Machine Learning Model. COMPUTATIONAL INTELLIGENCE AND NEUROSCIENCE 2022; 2022:7907210. [PMID: 36238663 PMCID: PMC9552691 DOI: 10.1155/2022/7907210] [Citation(s) in RCA: 0] [Impact Index Per Article: 0] [Reference Citation Analysis] [Abstract] [Track Full Text] [Download PDF] [Figures] [Subscribe] [Scholar Register] [Received: 07/13/2022] [Revised: 08/21/2022] [Accepted: 08/25/2022] [Indexed: 11/18/2022]
Abstract
In recent years, the increase of customer loan risk and the aggravation of the epidemic have led to the increase of customer default risk. Therefore, identifying high-risk customers has become an important research hotspot for banks. The customer's credit is the standard to evaluate the loan amount and interest rate, and the ability to quickly identify customer information has become a research hotspot. Based on the bank credit application scenario, this paper realizes function extraction and data processing for customer basic attribute data and download transaction data. Then, a linear regression model with penalty and a neural network prediction model are proposed to improve the accuracy of bankruptcy assessment and achieve local optimization. In this way, the implicit risk prediction and control of customer credit are improved, and the default risk of bank loans is significantly reduced. According to the characteristics of the collected sample data, the most appropriate penalty linear regression prediction algorithm is selected and the experimental analysis is carried out to improve the risk management level of banks. The experimental results show that the improved logistic regression and neural network model has obvious advantages in the prediction effect for four models.
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Coccia M. Evolution of technology in replacement of heart valves: Transcatheter aortic valves, a revolution for management of valvular heart diseases. HEALTH POLICY AND TECHNOLOGY 2021. [DOI: 10.1016/j.hlpt.2021.100512] [Citation(s) in RCA: 1] [Impact Index Per Article: 0.3] [Reference Citation Analysis] [Track Full Text] [Journal Information] [Subscribe] [Scholar Register] [Indexed: 10/21/2022]
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Sánchez de la Nava AM, Atienza F, Bermejo J, Fernández-Avilés F. Artificial intelligence for a personalized diagnosis and treatment of atrial fibrillation. Am J Physiol Heart Circ Physiol 2021; 320:H1337-H1347. [PMID: 33513086 DOI: 10.1152/ajpheart.00764.2020] [Citation(s) in RCA: 14] [Impact Index Per Article: 4.7] [Reference Citation Analysis] [Abstract] [Key Words] [Track Full Text] [Journal Information] [Submit a Manuscript] [Subscribe] [Scholar Register] [Indexed: 12/24/2022]
Abstract
Although atrial fibrillation (AF) is the most common cardiac arrhythmia, its early identification, diagnosis, and treatment is still challenging. Due to its heterogeneous mechanisms and risk factors, targeting an individualized treatment of AF demands a large amount of patient data to identify specific patterns. Artificial intelligence (AI) algorithms are particularly well suited for treating high-dimensional data, predicting outcomes, and eventually, optimizing strategies for patient management. The analysis of large patient samples combining different sources of information such as blood biomarkers, electrical signals, and medical images opens a new paradigm for improving diagnostic algorithms. In this review, we summarize suitable AI techniques for this purpose. In particular, we describe potential applications for understanding the structural and functional bases of the disease, as well as for improving early noninvasive diagnosis, developing more efficient therapies, and predicting long-term clinical outcomes of patients with AF.
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Affiliation(s)
- Ana María Sánchez de la Nava
- Department of Cardiology, Instituto de Investigación Sanitaria Gregorio Marañón (IiSGM), Hospital General Universitario Gregorio Marañón, Madrid, Spain.,CIBERCV, Centro de Investigación Biomédica en Red de Enfermedades Cardiovasculares, Instituto de Salud Carlos III, Madrid, Spain.,Universitat Politècnica de València, València, Spain
| | - Felipe Atienza
- Department of Cardiology, Instituto de Investigación Sanitaria Gregorio Marañón (IiSGM), Hospital General Universitario Gregorio Marañón, Madrid, Spain.,CIBERCV, Centro de Investigación Biomédica en Red de Enfermedades Cardiovasculares, Instituto de Salud Carlos III, Madrid, Spain.,Facultad de Medicina, Universidad Complutense de Madrid, Madrid, Spain
| | - Javier Bermejo
- Department of Cardiology, Instituto de Investigación Sanitaria Gregorio Marañón (IiSGM), Hospital General Universitario Gregorio Marañón, Madrid, Spain.,CIBERCV, Centro de Investigación Biomédica en Red de Enfermedades Cardiovasculares, Instituto de Salud Carlos III, Madrid, Spain.,Facultad de Medicina, Universidad Complutense de Madrid, Madrid, Spain
| | - Francisco Fernández-Avilés
- Department of Cardiology, Instituto de Investigación Sanitaria Gregorio Marañón (IiSGM), Hospital General Universitario Gregorio Marañón, Madrid, Spain.,CIBERCV, Centro de Investigación Biomédica en Red de Enfermedades Cardiovasculares, Instituto de Salud Carlos III, Madrid, Spain.,Facultad de Medicina, Universidad Complutense de Madrid, Madrid, Spain
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