Wang, Shuxia; Qi, Yuwei; Fu, Bin; Liu, Hongzhi - In: International Journal of Cognitive Informatics and … 10 (2016) 1, pp. 1-11
The main difficulty of credit risk evaluation is to evaluate borrowers' willingness of repayment, which is a subjective factor depending on the thoughts and ideas of borrowers. Text description is a kind of human behavior which reflects the mental process of writers. The authors identify the...