Economic insights into credit risk: a deep learning model for predicting loan repayment capacity

Accurately predicting loan repayment capacity is critical to effective credit risk assessment in banking, finance, and economic policymaking. This study proposes a novel deep learning architecture, the Gated Transformer, designed specifically for structured credit data. The model integrates categori...

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Detalhes bibliográficos

Principais autores:	Cheng Qiu, Sheng Li, Xiaodan Zhou
Formato:	Artigo
Idioma:	Inglês
Publicado em:	PeerJ Inc. 2025-12-01
coleção:	PeerJ Computer Science
Assuntos:	Credit risk assessment Loan repayment prediction Deep learning Gated transformer Attention mechanism
Acesso em linha:	https://peerj.com/articles/cs-3339.pdf
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