The probability of loan default is one of the most important activities in the financial sector. In this context, lenders issue loans to borrowers in exchange for a promise to repay the principal and interest. In this paper, we use a Bayesian deep learning model to build a predictive model for high performance loan default probability. In the practical case of loan default modeling, we cannot use clean and complete data. Some of the potential problems we inevitably encounter are missing values, incomplete categorical data and irrelevant features, thus requiring data pre-processing. In this paper, we train our model by analyzing the Kaggle Lending Club loan dataset from 2007 to the third quarter of 2017. The results show that our model has more than 96% accuracy. Compared with popular classification models, our model has higher performance.
While numerous security products, including data leakage prevention, have been added to corporate cybersecurity strategies, securing confidential data and assets remains a major challenge for businesses and organizations. According to a survey by a research institute in the United States, most of the most costly cybercrime cases are caused by theft by insiders, followed by DDoS and Web-based attacks. In this paper, the LightGBM algorithm is used, and the feature extraction uses the bag of words and the IF-IDF model to construct a malicious operation behavior detection model. By training with the classic SEA training set, the results show that our model is more than 97% accurate. And compared to the popular classification models, our model has higher performance.
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