深度学习
人工智能
信用风险
计算机科学
机器学习
卷积神经网络
文件夹
桥接(联网)
水准点(测量)
精算学
人工神经网络
风险管理
金融科技
风险分析(工程)
理论(学习稳定性)
可信赖性
业务
风险评估
逻辑回归
大数据
钥匙(锁)
金融稳定
数据科学
财务风险
特征工程
预测建模
模型风险
信用卡
金融服务
信用评级
数据建模
财务
深层神经网络
作者
Ibomoiye Domor Mienye,Ebenezer Esenogho,Cameron Modisane
出处
期刊:Information
[Multidisciplinary Digital Publishing Institute]
日期:2026-04-21
卷期号:17 (4): 395-395
被引量:1
摘要
Credit risk prediction is central to financial stability and regulatory compliance, guiding lending decisions and portfolio risk management. While traditional approaches such as logistic regression and tree-based models have long been the industry standard, recent advances in deep learning (DL) have introduced architectures capable of capturing complex nonlinearities, temporal dynamics, and relational dependencies in borrower data. This study provides a comprehensive review of DL methods applied to credit risk prediction, covering multi-layer perceptron, recurrent and convolutional neural networks, transformer, and graph neural networks. We examine benchmark and large-scale datasets, highlight peer-reviewed applications across corporate, consumer, and peer-to-peer lending, and evaluate the benefits of DL relative to classical machine learning. In addition, we critically assess key challenges and identify emerging opportunities. By synthesising methods, applications, and open challenges, this paper offers a roadmap for advancing trustworthy deep learning in credit risk modelling and bridging the gap between academic research and industry deployment.
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