<p>Platform risk identification from relational data aims to determine whether the target platforms are risky or not. However, in such a scenario, the relation data involve massive types of relations and numerous numerical-aware relations composed of attributes and infinite continuous values are challenges in this field. It is paramount to capture semantic information of relations and precise control power, drastically affecting the power of learning and the performance of identifying risky platforms. Recent financial risk studies often employed graph neural networks (GNNs) to model relational data, which fall short of capturing the intricacies of such complex relationships resulting in incorrect identification of platforms. To solve this problem, we propose a novel coarse-grained knowledge graph embedding (CKGE) framework that integrates coarse-grained knowledge graph construction and adopts five well-known knowledge graph embedding methods and ensemble learning. The extensive experimental results based on a real-world peer-to-peer lending platform dataset demonstrate that the CKGE framework achieves state of the art over GNNs for platform risk identification. Our study highlights the importance of utilizing the relational data of multi-type and multi-numerical relations for revealing platform risk situations and provides an alternative solution for identifying platform risk.</p>

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A novel coarse-grained knowledge graph embedding framework for platform risk identification from relational data

  • Qi Zhang,
  • Shicheng Wang,
  • Lihong Wang,
  • Jiawei Sheng,
  • Shu Guo,
  • Chen Li,
  • Min He,
  • Renqiang Zhang

摘要

Platform risk identification from relational data aims to determine whether the target platforms are risky or not. However, in such a scenario, the relation data involve massive types of relations and numerous numerical-aware relations composed of attributes and infinite continuous values are challenges in this field. It is paramount to capture semantic information of relations and precise control power, drastically affecting the power of learning and the performance of identifying risky platforms. Recent financial risk studies often employed graph neural networks (GNNs) to model relational data, which fall short of capturing the intricacies of such complex relationships resulting in incorrect identification of platforms. To solve this problem, we propose a novel coarse-grained knowledge graph embedding (CKGE) framework that integrates coarse-grained knowledge graph construction and adopts five well-known knowledge graph embedding methods and ensemble learning. The extensive experimental results based on a real-world peer-to-peer lending platform dataset demonstrate that the CKGE framework achieves state of the art over GNNs for platform risk identification. Our study highlights the importance of utilizing the relational data of multi-type and multi-numerical relations for revealing platform risk situations and provides an alternative solution for identifying platform risk.