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Bolun Zhang

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Review Open access Aug 2026

Machine Learning for Individual Credit Risk Assessment: A Systematic Literature Review of State-of-the-Art Methods, Challenges and Perspectives

A systematic literature review of ML applications in credit risk assessment (CRA), covering publications from January 2016 to May 2026, synthesise prevailing methodologies into a unified end-to-end credit risk modelling framework spanning data preprocessing, feature engineering, model training, evaluation, and operational deployment.

Bolun Zhang, Jun Luo, Ruobing Wu et al. · 0 citations