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Enhancing Information Processing Cap...

Wang, Jiaxing,

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Enhancing Information Processing Capabilities in Financial Services: Utilizing Machine Learning Techniques to Overcome Limited Data Availability /

Record Type:	Electronic resources : Monograph/item
Title/Author:	Enhancing Information Processing Capabilities in Financial Services: Utilizing Machine Learning Techniques to Overcome Limited Data Availability // Jiaxing Wang.
Author:	Wang, Jiaxing,
Description:	1 electronic resource (126 pages)
Notes:	Source: Dissertations Abstracts International, Volume: 86-08, Section: B.
Contained By:	Dissertations Abstracts International86-08B.
Subject:	Graphs. -
Online resource:	https://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=31868743
ISBN:	9798304972475

Enhancing Information Processing Capabilities in Financial Services: Utilizing Machine Learning Techniques to Overcome Limited Data Availability /
Wang, Jiaxing,

Enhancing Information Processing Capabilities in Financial Services: Utilizing Machine Learning Techniques to Overcome Limited Data Availability /Jiaxing Wang. - 1 electronic resource (126 pages)

Source: Dissertations Abstracts International, Volume: 86-08, Section: B.

This thesis presents an investigation into the application of advanced machine learning techniques to enhance information processing capabilities in the financial services sector, focusing on the challenges faced by small and medium-sized enterprises (SMEs) due to limited data availability. It comprises three interconnected studies that utilize cutting-edge approaches like graph neural networks and large language models to overcome the specific challenges of financial analytics and risk assessment in SMEs.In the first study, the thesis introduces a relational graph attention network algorithm. This methodological innovation addresses limited data availability in SMEs by utilizing information from adjacent enterprises. It constructs a network that factors in shared management teams and business interactions, aiming to refine the accuracy of credit risk predictions. This approach is empirically validated using a dataset from Chinese SMEs, demonstrating its potential effectiveness in practical applications.The second study advances this line of inquiry by developing a heterogeneous spatial-temporal graph convolutional network. This model goes beyond previous approaches by integrating dynamic relational and transactional data from a network of enterprises. The study tests the model's capability to enhance the accuracy of credit default predictions, comparing its performance against traditional models that focus primarily on individual SME attributes. The empirical analysis, grounded in robust statistical evaluation, confirms the model's effectiveness.The third study of the thesis explores a novel text mining workflow that incorporates large language models, like ChatGPT, along with an automated web crawling technique. This approach aims to extract meaningful insights from internet-sourced textual data, an important resource in scenarios of limited data availability. The practical utility of this method is showcased through a case study on the Chinese market for new energy buses, illustrating its potential application in financial service analytics.Overall, this thesis contributes to the academic discourse in financial services by thoroughly exploring the use of machine learning methods for tackling data analysis and risk assessment challenges in SMEs with limited data. It underscores the transformative impact of machine learning in finance, offering more advanced tools for decision-making to both service providers and policymakers. Furthermore, this research lays a strong groundwork for further studies in this area and stands as a useful reference for both scholars and industry professionals.

English

ISBN: 9798304972475Subjects--Topical Terms:

3685259
Graphs.
Subjects--Index Terms:

Data availability

Enhancing Information Processing Capabilities in Financial Services: Utilizing Machine Learning Techniques to Overcome Limited Data Availability /
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245 1 0 $a Enhancing Information Processing Capabilities in Financial Services: Utilizing Machine Learning Techniques to Overcome Limited Data Availability / $c Jiaxing Wang.
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500 $a Source: Dissertations Abstracts International, Volume: 86-08, Section: B.
500 $a Advisors: Xu, Xiaobo; Xing, Xinjie; Liu, Guoquan.
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520 $a This thesis presents an investigation into the application of advanced machine learning techniques to enhance information processing capabilities in the financial services sector, focusing on the challenges faced by small and medium-sized enterprises (SMEs) due to limited data availability. It comprises three interconnected studies that utilize cutting-edge approaches like graph neural networks and large language models to overcome the specific challenges of financial analytics and risk assessment in SMEs.In the first study, the thesis introduces a relational graph attention network algorithm. This methodological innovation addresses limited data availability in SMEs by utilizing information from adjacent enterprises. It constructs a network that factors in shared management teams and business interactions, aiming to refine the accuracy of credit risk predictions. This approach is empirically validated using a dataset from Chinese SMEs, demonstrating its potential effectiveness in practical applications.The second study advances this line of inquiry by developing a heterogeneous spatial-temporal graph convolutional network. This model goes beyond previous approaches by integrating dynamic relational and transactional data from a network of enterprises. The study tests the model's capability to enhance the accuracy of credit default predictions, comparing its performance against traditional models that focus primarily on individual SME attributes. The empirical analysis, grounded in robust statistical evaluation, confirms the model's effectiveness.The third study of the thesis explores a novel text mining workflow that incorporates large language models, like ChatGPT, along with an automated web crawling technique. This approach aims to extract meaningful insights from internet-sourced textual data, an important resource in scenarios of limited data availability. The practical utility of this method is showcased through a case study on the Chinese market for new energy buses, illustrating its potential application in financial service analytics.Overall, this thesis contributes to the academic discourse in financial services by thoroughly exploring the use of machine learning methods for tackling data analysis and risk assessment challenges in SMEs with limited data. It underscores the transformative impact of machine learning in finance, offering more advanced tools for decision-making to both service providers and policymakers. Furthermore, this research lays a strong groundwork for further studies in this area and stands as a useful reference for both scholars and industry professionals.
546 $a English
590 $a School code: 0722
650 4 $a Graphs. $3 3685259
650 4 $a Neural networks. $3 677449
650 4 $a Information processing. $3 3561808
650 4 $a Coronaviruses. $3 894828
650 4 $a COVID-19. $3 3554449
653 $a Data availability
653 $a Information processing
690 $a 0796
710 2 $a The University of Liverpool (United Kingdom). $e degree granting institution. $3 3767499
720 1 $a Xu, Xiaobo $e degree supervisor.
720 1 $a Xing, Xinjie $e degree supervisor.
720 1 $a Liu, Guoquan $e degree supervisor.
773 0 $t Dissertations Abstracts International $g 86-08B.
790 $a 0722
791 $a Ph.D.
792 $a 2024
856 4 0 $u https://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=31868743