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Predicting the Repayment Decisions of Korean Vulnerable Debtors: Evidence from an Empirical Study Utilizing a stacking algorithm

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COMPUTATIONAL ECONOMICS 2025年 1-21页

作者： Jeong, Youngwoo KAMCO Res Inst Pusan South Korea

The objective of this study is to anticipate the repayment behaviors of financially vulnerable debtors in Korea using a prediction model employing a stacking algorithm. To accomplish this goal, this study is conducted on 1,171,204 debtors with delinquent loans acquired by KAMCO since 2018. Following this analysis, the meta-model successfully predicted 87.7% of vulnerable debtors' repayment decisions, thus validating its efficacy in discerning debtors with high repayment potential. In addition, it is confirmed that a stacking algorithm can be utilized to construct a prediction model that can be universally applied across a wider range, resulting in a substantial increase in accuracy. This study is significant as it empirically predicts the repayment likelihood of vulnerable debtors in Korea through the utilization of data regarding large-scale non-performing loans. Moreover, the findings of this analysis suggest that financial institutions can enhance their proficiency in loan management by screening and overseeing debtors based on their repayment potential.

关键词： Household debt Repayment decisions stacking algorithm Korean vulnerable debtors

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An atmospheric correction method for Himawari-8 imagery based on a multi-layer stacking algorithm

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ECOLOGICAL INFORMATICS 2025年 85卷

作者： Wang, Menghui Fan, Donglin He, Hongchang Zeng, You Fu, Bolin Liang, Tianlong Zhang, Xinyue Hu, Wenhan Guilin Univ Technol Sch Surveying Mapping & Geog Informat Guilin Peoples R China Guilin Univ Technol Key Lab Spatiotemporal Big Data Percept Serv Guilin Peoples R China Guilin Inst Informat Technol Sch Informat Engn Guilin Peoples R China

The effective extraction of water-leaving reflectance using atmospheric correction (AC) algorithms is essential for accurately retrieving ocean color parameters. However, existing AC approaches designed for specific water types often struggle with the varying optical properties of open and coastal waters. This study proposes an efficient multi-layer stacking method for AC (MSM AC) that is suitable for both clear and turbid waters. The implementation and validation of the method were conducted using Himawari-8 imagery. To address the lack of training data, 10,000 Rayleigh-corrected reflectance samples were synthesized for six Himawari-8 bands, using simulated water-leaving, which cover different optically complex water properties through a radiative transfer, and aerosol reflectance data under different geometrical conditions. Following the principle of heterogeneous integration, various meta-learners were preselected for model training, and the preliminary model was finetuned using in situ data. A weighted integration strategy was then employed to develop an MSM AC tailored to Himawari-8 image data. For comparative analysis, a near-infrared-shortwave infrared AC method and a general machine learning AC method were also implemented. Model evaluation and validation were performed using a test subset of simulated data and in-situ datasets. Validation results indicate that the MSM AC exhibits strong performance in the validation bands (470 nm, 510 nm, and 640 nm) on the in-situ dataset, with R2 values of 0.64, 0.91, and 0.82 and root-mean-square logarithmic deviation (RMSLD) values of 0.007 sr-1 , 0.004 sr-1 , and 0.005 sr-1 , respectively. Additionally, water bodies with varying optical complexities were simulated by restructuring the ocean color component content in the simulated data. The correction performances of MSM and comparative algorithms were evaluated using the median absolute error (MedAE) between the predicted and simulated water-leaving reflectance data.

关键词： Atmospheric correction algorithms Himawari-8 imagery stacking algorithm Optical water types Ocean color remote sensing

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stacking algorithm based on naive Bayes 2

Stacking algorithm based on naive Bayes

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2nd Asia Conference on Computer Vision, Image Processing and Pattern Recognition (CVIPPR)

作者： Huang, Chen Zhou, Yuting Yang, Xuemei Liu, Shiqi Yin, Junping Northeast Normal Univ Acad Adv Interdisciplinary Studies Jilin Jilin Peoples R China Beijing Inst Remote Sensing Beijing Peoples R China China Acad Engn Phys Computat Math Mianyang Sichuan Peoples R China Beijing Inst Appl Phys & Computat Math Big Data Ctr Beijing Peoples R China

ISBN: (纸本)9798400716607

With the advent of the data era, medical image data plays an increasingly important role in diagnosing and treating diseases. This study combined deep learning, ensemble learning, and mathematical theory to construct a stacking algorithm model based on the Naive Bayes method to achieve more accurate classification of medical images. In the stacking algorithm, the results of the primary classifier are treated equally, and the performance of the primary classifier is ignored. The poor performance of the primary classifier will affect the final classification result. To solve this problem, a stacking algorithm based on the Naive Bayes method is proposed in this paper. Firstly, the performance of the primary classifier is evaluated, and the output of the primary classifier is selected reasonably through the evaluation results. Secondly, the VGGNet, InceptionNet, and ResNet convolutional networks were used as primary classifiers to construct a complete stacking algorithm based on the Naive Bayes method. Next, the algorithm was tested and validated using COVID-19 and NoCOVID-19 lung CT image data. Finally, it is compared with a single primary classifier and the traditional stacking algorithm. The experimental results show that the stacking algorithm based on the Naive Bayes method is suitable for the binary classification task of medical images and has better classification results than a single primary classifier and the traditional stacking algorithm.

关键词： stacking algorithm Naive Bayes method Convolutional neural network Medical image

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Rapid prediction of damaged ship roll motion responses in beam waves based on stacking algorithm

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Journal of Hydrodynamics 2024年第2期36卷 394-405页

作者： Xin-ran Liu Ting-qiu Li Zi-ping Wang School of Naval Architecture Ocean and Energy Power EngineeringWuhan University of TechnologyWuhan430063China

Accurate modeling for highly non-linear coupling of a damaged ship with liquid sloshing in waves is still of considerable interest within the computational fluid dynamics(CFD)and AI *** paper describes a data-driven stacking algorithm for fast prediction of roll motion response amplitudes in beam waves by constructing a hydrodynamics model of a damaged ship based on the dynamic overlapping grid CFD *** general idea is to optimize various parameters varying with four types of classical base models like multi-layer perception,support vector regression,random forest,and hist gradient boosting *** offers several attractive properties in terms of accuracy and efficiency by choosing the standard DTMB 5415 model with double damaged compartments for *** is clearly demonstrated that the predicted response amplitude operator(RAO)in the regular beam waves agrees well with the experimental data available,which verifies the accuracy of the established damaged ship hydrodynamics *** high-quality CFD samples,therefore,implementation of the designed stacking algorithm with its optimal combination can predict the damaged ship roll motion amplitudes effectively and accurately(e.g.,the coefficient of determination 0.9926,the average absolute error 0.0955 and CPU 3s),by comparison of four types of typical base models and their various ***,the established stacking algorithm provides one potential that can break through problems involving the time-consuming and low efficiency for large-scale lengthy CFD simulations.

关键词： Ship motion damaged ship computational fluid dynamics(CFD) machine learning stacking algorithm

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Financial distress prediction based on ensemble feature selection and improved stacking algorithm

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KYBERNETES 2024年第7期54卷 3712-3735页

作者： Wu, Chong Chen, Xiaofang Jiang, Yongjie Harbin Inst Technol Sch Management Harbin Peoples R China

PurposeWhile the Chinese securities market is booming, the phenomenon of listed companies falling into financial distress is also emerging, which affects the operation and development of enterprises and also jeopardizes the interests of investors. Therefore, it is important to understand how to accurately and reasonably predict the financial distress of ***/methodology/approachIn the present study, ensemble feature selection (EFS) and improved stacking were used for financial distress prediction (FDP). Mutual information, analysis of variance (ANOVA), random forest (RF), genetic algorithms, and recursive feature elimination (RFE) were chosen for EFS to select features. Since there may be missing information when feeding the results of the base learner directly into the meta-learner, the features with high importance were fed into the meta-learner together. A screening layer was added to select the meta-learner with better performance. Finally, Optima hyperparameters were used for parameter tuning by the *** empirical study was conducted with a sample of A-share listed companies in China. The F1-score of the model constructed using the features screened by EFS reached 84.55%, representing an improvement of 4.37% compared to the original features. To verify the effectiveness of improved stacking, benchmark model comparison experiments were conducted. Compared to the original stacking model, the accuracy of the improved stacking model was improved by 0.44%, and the F1-score was improved by 0.51%. In addition, the improved stacking model had the highest area under the curve (AUC) value (0.905) among all the compared ***/valueCompared to previous models, the proposed FDP model has better performance, thus bridging the research gap of feature selection. The present study provides new ideas for stacking improvement research and a reference for subsequent research in this field.

关键词： Financial distress prediction stacking algorithm Ensemble feature selection Optuna hyperparameter optimization

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Incorporating Feature Selection in the Improved stacking algorithm for Online Learning Analysis and Prediction

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ENGINEERING LETTERS 2020年第4期28卷 1011-1022页

作者： Dai, Hong Wu, Wenkai Li, Jiacheng Yuan, Yangke Univ Sci & Technol Liaoning Sch Comp Sci & Software Engn Anshan Peoples R China Liaoning Tech Univ Sch Mapping & Geog Sci Fuxin Peoples R China

Online learning is becoming a common learning method in the field of education. The correct classification of online learners plays a vital role in solving the key issues such as low pass rates and high dropout rates. In this paper, we propose a improved ensemble algorithm for classifying learners, which integrates feature selection and the improved stacking algorithm (stacking-PMLR). One feature selection algorithm is Mean Decrease Impurity algorithm based on Random Forest. It is used to investigate the learning behavior factors which contribute to class of learner. It is also used to select the most frequent features and to reduce the dimensions.. Analyzing learners' behavior features by the feature selection algorithm, we know that a number of chapters, interaction days, interactions times and video viewed times are the most important factors. Learners' behavior features from feature selection are used as the attribute input of stacking-PMLR for classifying learners. After that, we use the multilevel improved ensemble algorithm stacking-PMLR to classify learners. We improve the stacking algorithms in terms of its hierarchical structure, data features representation, combination strategy and classification algorithm according to its own characteristics. We use the improved stacking algorithm to construct the classification model. In addition, fifteen real world different type datasets in UCI machine learning repository are applied. The experimental results show that the improved stacking algorithm has better performance in accuracy, precision and F-1. It also shows the feasibility of the stacking-PMLR. Finally, we use feature selection and the stacking-PMLR algorithm to classify the public dataset of the edX online learning platform. The experimental results show that the performance of stacking-PMLR is better. It shows the practical value of the stacking-PMLR in online learning prediction.

关键词： Online learning ensemble algorithm feature selection stacking algorithm

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Estimating the Growing Stem Volume of Chinese Pine and Larch Plantations based on Fused Optical Data Using an Improved Variable Screening Method and stacking algorithm

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REMOTE SENSING 2020年第5期12卷 871-871页

作者： Li, Xinyu Liu, Zhaohua Lin, Hui Wang, Guangxing Sun, Hua Long, Jiangping Zhang, Meng Cent South Univ Forestry & Technol Res Ctr Forestry Remote Sensing & Informat Engn Changsha 410004 Peoples R China Hunan First Normal Univ Sch Informat Sci & Engn Changsha 410205 Peoples R China Key Lab Forestry Remote Sensing Based Big Data & Changsha 410004 Peoples R China Key Lab State Forestry Adm Forest Resources Manag Changsha 410004 Peoples R China Southern Illinois Univ Dept Geog & Environm Resources Carbondale IL 62901 USA

Accurately estimating growing stem volume (GSV) is very important for forest resource management. The GSV estimation is affected by remote sensing images, variable selection methods, and estimation algorithms. Optical images have been widely used for modeling key attributes of forest stands, including GSV and aboveground biomass (AGB), because of their easy availability, large coverage and related mature data processing and analysis technologies. However, the low data saturation level and the difficulty of selecting feature variables from optical images often impede the improvement of estimation accuracy. In this research, two GaoFen-2 (GF-2) images, a Landsat 8 image, and fused images created by integrating GF-2 bands with the Landsat multispectral image using the Gram-Schmidt method were first used to derive various feature variables and obtain various datasets or data scenarios. A DC-FSCK approach that integrates feature variable screening and a combination optimization procedure based on the distance correlation coefficient and k-nearest neighbors (kNN) algorithm was proposed and compared with the stepwise regression analysis (SRA) and random forest (RF) for feature variable selection. The DC-FSCK considers the self-correlation and combination effect among feature variables so that the selected variables can improve the accuracy and saturation level of GSV estimation. To validate the proposed approach, six estimation algorithms were examined and compared, including Multiple Linear Regression (MLR), kNN, Support Vector Regression (SVR), RF, eXtreme Gradient Boosting (XGBoost) and stacking. The results showed that compared with GF-2 and Landsat 8 images, overall, the fused image (Red_Landsat) of GF-2 red band with Landsat 8 multispectral image improved the GSV estimation accuracy of Chinese pine and larch plantations. The Red_Landsat image also performed better than other fused images (Pan_Landsat, Blue_Landsat, Green_Landsat and Nir_Landsat). For most of the comb

关键词： multispectral image fusion spectral variable selection combination effect stacking algorithm growing stem volume Chinese pine and larch plantations

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Mapping the Forest Canopy Height in Northern China by Synergizing ICESat-2 with Sentinel-2 Using a stacking algorithm

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REMOTE SENSING 2021年第8期13卷 1535-1535页

作者： Jiang, Fugen Zhao, Feng Ma, Kaisen Li, Dongsheng Sun, Hua Cent South Univ Forestry & Technol Res Ctr Forestry Remote Sensing & Informat Engn Changsha 410004 Peoples R China Key Lab Forestry Remote Sensing Based Big Data & Changsha 410004 Peoples R China Key Lab State Forestry Adm Forest Resources Manag Changsha 410004 Peoples R China East China Normal Univ State Key Lab Estuarine & Coastal Res Inst Eco Chongming Shanghai 200241 Peoples R China Hebei Acad Forestry & Grassland Invest & Planning Shijiazhuang 050051 Hebei Peoples R China

The forest canopy height (FCH) plays a critical role in forest quality evaluation and resource management. The accurate and rapid estimation and mapping of the regional forest canopy height is crucial for understanding vegetation growth processes and the internal structure of the ecosystem. A stacking algorithm consisting of multiple linear regression (MLR), support vector machine (SVM), k-nearest neighbor (kNN), and random forest (RF) was used in this paper and demonstrated optimal performance in predicting the forest canopy height by synergizing Sentinel-2 images acquired from the cloud-based computation platform Google Earth Engine (GEE) with data from ICESat-2 (Ice, Cloud, and Land Elevation Satellite-2). This research was conducted to achieve continuous mapping of the canopy height of plantations in Saihanba Mechanical Forest Plantation, which is located in Chengde City, northern Hebei province, China. The results show that stacking achieved the best prediction accuracy for the forest canopy height, with an R-2 of 0.77 and a root mean square error (RMSE) of 1.96 m. Compared with MLR, SVM, kNN, and RF, the RMSE obtained by stacking was reduced by 25.2%, 24.9%, 22.8%, and 18.7%, respectively. Since Sentinel-2 images and ICESat-2 data are publicly available, this opens the door for the accurate mapping of the continuous distribution of the forest canopy height globally in the future.

关键词： forest canopy height ICESat-2 GEE stacking algorithm plantations

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State of health estimation of power batteries based on multi-feature fusion models using stacking algorithm

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ENERGY 2022年第0期259卷

作者： Liu, Gengfeng Zhang, Xiangwen Liu, Zhiming Guilin Univ Elect Technol Sch Elect Engn & Automat Guilin 541004 Peoples R China Guilin Univ Elect Technol Guangxi Key Lab Automat Detecting Technol & Instru Guilin 541004 Peoples R China

The data-driven method is used widely to estimate the state of health (SOH) of the battery, but the selection of data features and the data training methods affect the estimation results greatly. With the stacking algorithm, this paper proposes a multi-feature fusion model to estimate battery SOH by fusing different feature parameters and combining support vector regression (SVR) and long short-term memory network (LSTM). The feature param-eters were extracted only from the current change curve of the constant voltage charging stage. The support vector regression based on grid search (GS-SVR) was selected as the primary-learner, and the primary SVR models were constructed through 5-fold cross-validation for different feature parameters. The LSTM was selected as the secondary-learner. With the stacking algorithm, LSTM was used to fuse multiple primary SVR models to form an ensemble learner model to improve the performance of multi-feature fusion. The battery aging test data set and NASA battery test data set were used to evaluate the effectiveness. The results verified the validity and superiority of the proposed method. Compared with the existing estimation methods, root mean square error is reduced by at least 0.11, and mean absolute percentage error is reduced by at least 0.12%.

关键词： Power battery SOH SVR LSTM stacking algorithm

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Research on Total Electric Field Prediction Method of Ultra-High Voltage Direct Current Transmission Line Based on stacking algorithm

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Computer Systems Science & Engineering 2024年第3期48卷 723-738页

作者： Yinkong Wei Mucong Wu Wei Wei Paulo R.F.Rocha Ziyi Cheng Weifang Yao Key Laboratory of Operation and Control of Terraced Hydropower Plants in Hubei Province Three Gorges UniversityYichang443002China School of Electricity and New Energy Three Gorges UniversityYichang443002China Marketing Service Center(Metering Center) State Grid Hubei Electric Power Co.Ltd.Wuhan430072China Centre for Functional Ecology-Science for People&the Planet Associate Laboratory TERRADepartment of Life SciencesUniversity of CoimbraCoimbra3000-456Portugal Research Institute of Electric Power Science State Grid Anhui Electric Power Company LimitedHefei230601China

Ultra-high voltage(UHV)transmission lines are an important part of China’s power grid and are often surrounded by a complex electromagnetic *** ground total electric field is considered a main electromagnetic environment indicator of UHV transmission lines and is currently employed for reliable long-term operation of the power ***,the accurate prediction of the ground total electric field remains a technical *** this work,we collected the total electric field data from the Ningdong-Zhejiang±800 kV UHVDC transmission project,as of the Ling Shao line,and perform an outlier analysis of the total electric field *** show that the Local Outlier Factor(LOF)elimination algorithm has a small average difference and overcomes the performance of Density-Based Spatial Clustering of Applications with Noise(DBSCAN)and Isolated Forest elimination ***,the stacking algorithm has been found to have superior prediction accuracy than a variety of similar prediction algorithms,including the traditional finite *** low prediction error of the stacking algorithm highlights the superior ability to accurately forecast the ground total electric field of UHVDC transmission lines.

关键词： DC transmission line total electric field effective data multivariable outliers LOF algorithm stacking algorithm

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