使用基于网络的隐私安全功能预测商家的未来业绩
Mohsen Bahrami1, Hasan Alp Boz2, Yoshihiko Suhara3
1MIT Connection Science, Institute for Data, Systems, and Society, Massachusetts Institute of Technology, Cambridge, MA, 02139, USA. bahrami@mit.edu.
Scientific reports
|June 21, 2023
概括
预测中小企业的业绩对于企业融资至关重要. 一种新方法使用信用卡交易网络,提供与传统方法相比的准确性,同时增强金融机构的数据隐私.
科学领域:
- 商业和经济学 商业和经济学
- 计算机科学 计算机科学
- 数据科学数据科学数据科学
背景情况:
- 中小企业 (SMEs) 是重要的经济贡献者,需要对企业融资进行可靠的绩效预测.
- 目前的中小企业业绩预测依赖于敏感的内部数据,对商家构成隐私风险.
- 金融机构需要强大的方法来评估中小企业的信誉,而不影响机密信息.
研究的目的:
- 开发一种保护隐私的方法来预测中小企业未来的业绩.
- 为了利用信用卡交易数据进行商家绩效评估.
- 提供商人和金融机构之间共享数据的安全替代方案.
主要方法:
- 建立了一个商人网络,客户作为商人之间的中间人.
- 提取的网络结构特征用于机器学习模型输入.
- 与传统的收入和客户数据对比基于网络的特征的预测性能.
主要成果:
- 使用网络衍生功能的机器学习模型实现了与使用传统财务指标的模型可比的预测性能.
- 与依赖于直接收入或客户数据的方法相比,拟议的基于网络的方法显著提高了数据隐私.
- 证明了使用匿名交易网络结构用于中小企业绩效评估的可行性.
结论:
- 新型商家网络方法为中小企业业绩预测提供了隐私意识的解决方案.
- 这种方法促进了更安全的数据共享,使金融机构能够做出明智的贷款决策.
- 该研究解决了中小企业财务评估中的关键隐私问题,促进了经济增长.
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