AN ANALYSIS OF LEADING FOREIGN BANKS' PRACTICES IN APPLYING ARTIFICIAL- INTELLIGENCE-BASED MANAGEMENT SYSTEMS FOR CREDIT RISK ASSESSMENT AND THE EARLY DETECTION OF PROBLEM LOANS
Sep 2026· Zenodo (CERN European Organization for Nuclear Research)
Financial Distress and Bankruptcy Prediction
Abstract
Artificial-intelligence-based management systems used by the world's leading commercial banks to assess credit risk and detect problem loans at an early stage are analyzed. The role and potential of Machine Learning, Deep Learning, Big Data Analytics, Explainable AI (XAI), Early Warning Systems (EWS), Behavioral Scoring, Alternative Data, Predictive Analytics, and Graph Analytics technologies in credit risk management are evaluated. Drawing on the experience of leading foreign banks, institutional and practical proposals are developed to improve an AI-based national management model for Uzbekistan's banking system.
GAOKAO-Bench is introduced, an intuitive benchmark that employs questions from the Chinese GAOKAO examination as test samples, including both subjective and objective questions that contribute a robust evaluation benchmark for future large language models and offers valuable insights into the advantages and limitations of such models.
Xiaotian Zhang, Chun-yan Li, Yi Zong et al.· arXiv.org· 216 citations· ⚡17
This work investigates the possibilities of using LLMs in a resume screening setting via a document retrieval framework that simulates job candidate selection and finds that the MTEs are biased, significantly favoring White-associated names in 85% of cases and female-associated names in only 11.1% of cases.
Empirically, PRISM reduces the end-to-end time for data selection and model tuning to just 30% of conventional pipelines, and achieves this efficiency while simultaneously enhancing performance, surpassing models fine-tuned on the full dataset across eight multimodal and three language understanding benchmarks.
Jinhe Bi, Yifan Wang, Danqi Yan et al.· arXiv.org· 73 citations· ⚡4
The method, ECCOLA, is presented, which aims at making the high-level AI ethics principles more practical, making it possible for developers to more easily implement them in practice.
Ville Vakkuri, Kai-Kristian Kemell, P. Abrahamsson· EUROMICRO Conference on Soft...· 64 citations· ⚡6
The goal is to not only refine the accuracy of the LLM-based tool but also to underscore its potential in streamlining the software development lifecycle through proactive code improvement and education.
Z. Rasheed, Malik Abdul Sami, Muhammad Waseem et al.· arXiv.org· 62 citations· ⚡3
This paper designs Markov decision processes (MDPs) for different combinatorial problems and proposes to train conditional GFlowNets to sample from the solution space and demonstrates that GFlowNet policies can efficiently find high-quality solutions.
Dinghuai Zhang, H. Dai, Esmeralda S. Whitammer et al.· Advances in Neural Informati...· 59 citations· ⚡8
The professor of physics and inaugural director of the NSF AI Institute for Artificial Intelligence and Fundamental Interactions will lead LNS and continue his research in particle physics.
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