Automotive Consumer Loans Risk Assessment Predictive Modeling Using Generative Adversarial Network and Stacked Autoencoder Neural Networks
In this study, we propose a predictive model for automotive consumer loans risk assessment, leveraging Generative Adversarial Networks (GANs) and Stacked Autoencoder Neural Networks (SAEs). We address issues of high dimensionality and sparsity inherent in big data environments and tackle the class imbalance problem using GANs. Feature selection is effectively carried out using SAEs. Experimental results prove the superiority of our approach over traditional neural networks and our model without GANs or SAEs. The proposed model shows significant potential for application in personal credit risk assessment within automotive finance and beyond. Future work is aimed at extending and improving our model and applying it to other domains.
Authors
- Muhamad Hariz Muhamad Adnan (ORCID: https://orcid.org/0000-0002-7001-8623)
- Suzani Mohamad Samuri (ORCID: https://orcid.org/0000-0003-4651-1431)
- Xueping Zhu (ORCID: https://orcid.org/0000-0001-8612-2890)
- Ling Qin (ORCID: https://orcid.org/0000-0001-6173-6167)
Institutions
- Sultan Idris Education University (MY)
- Guangxi University (CN)
- Guangxi Academy of Sciences (CN)
Publication Details
- Journal
- Journal of Advanced Research in Applied Sciences and Engineering Technology
- Published
- 2024-09-19
- DOI
- https://doi.org/10.37934/araset.51.2.4556
- Citations
- 1
- Primary Topic
- Impact of AI and Big Data on Business and Society
- Type
- article
- Field-Weighted Citation Impact
- 0.49