arXiv:2507. 00600v3 Announce Type: replace-cross Abstract: Understanding the functional roles of financial institutions within interconnected markets is critical for effective supervision, systemic risk assessment, and resolution planning.
arXiv:2507. 00600v2 Announce Type: replace-cross Abstract: Understanding the functional roles of financial institutions within interconnected markets is critical for effective supervision, systemic risk assessment, and resolution planning.
arXiv:2608. 15177v1 Announce Type: cross Abstract: The increasing complexity of digital financial systems has reshaped financial fraud detection from isolated transaction classification into relational risk reasoning over interconnected financial entities.
arXiv:2606. 26189v1 Announce Type: new Abstract: Money Laundering Group Discovery (MLGD) aims to identify hidden criminal groups and recover their complete structures in large-scale financial networks.
arXiv:2510. 17088v3 Announce Type: replace-cross Abstract: Financial anomalies arise from heterogeneous mechanisms - price shocks, liquidity freezes, contagion cascades, and momentum reversals - yet existing detectors produce uniform anomaly scores without revealing which mechanism is failing or where risks concentrate.
arXiv:2604. 17420v2 Announce Type: replace-cross Abstract: Money laundering poses severe risks to global financial systems, driving the widespread adoption of machine learning for transaction monitoring.
arXiv:2609.25542v1 Announce Type: new Abstract: Corporate default prediction is a core problem in financial risk management, yet traditional credit models rely heavily on financial statements that ar...
Credit risk detection, particularly mitigating individual fraud, is crucial for maintaining the stability of digital financial ecosystems. Accurately identifying credit fraud among billions of users is critical for minimizing financial losses and safeguarding the sustainability of inclusive financial services.
arXiv:2607. 19350v1 Announce Type: new Abstract: Financial institutions face significant challenges in detecting sophisticated money laundering patterns, such as smurfing and layering, due to extreme data imbalance (0.
arXiv:2608.28944v1 Announce Type: new Abstract: Credit risk analysis in financial institutions traditionally requires analysts to manually write SQL queries, run statistical computations, and build v...
The paper introduces the Integrated Multivariate Segmentation Tree (IMST), a new framework that combines financial data and textual information for credit evaluation of small- and medium-sized enterprises. IMST transforms text into numerical matrices via matrix factorization, selects key financial features with Lasso regression, and builds a multivariate segmentation tree using Gini or entropy with weakest-link pruning. Experiments on 1,428 Chinese SMEs show an 88.9% accuracy, outperforming baseline decision trees, SVMs, and neural networks while offering better interpretability and computational efficiency.
arXiv:2605. 23955v3 Announce Type: replace Abstract: Deploying machine learning in regulated financial environments -- credit risk, fraud detection, and anti-money laundering -- exposes critical vulnerabilities in algorithmic reproducibility.
arXiv:2608. 02168v1 Announce Type: new Abstract: Credit risk detection, particularly mitigating individual fraud, is crucial for maintaining the stability of digital financial ecosystems.