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.

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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
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article

Automotive Consumer Loans Risk Assessment Predictive Modeling Using Generative Adversarial Network and Stacked Autoencoder Neural Networks

Muhamad Hariz Muhamad Adnan, Suzani Mohamad Samuri, Xueping Zhu, Ling Qin
1 citations
Journal of Advanced Research in Applied Sciences and Engineering Technology
Impact of AI and Big Data on Business and Society
0.49
article

Automotive Consumer Loans Risk Assessment Predictive Modeling Using Generative Adversarial Network and Stacked Autoencoder Neural Networks

Muhamad Hariz Muhamad Adnan, Suzani Mohamad Samuri, Xueping Zhu, Ling Qin
article en
1 citations

Abstract

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.

Journal of Advanced Research in Applied Sciences and Engineering TechnologyVol. 51(2)
Sultan Idris Education University (MY), Guangxi University (CN), Guangxi Academy of Sciences (CN)
Openalex Percentile: Top 31%
Impact of AI and Big Data on Business and Society
0.49
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