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Fa-Jie Yan

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Open access Aug 2026

Construction of SME Loan Default Risk Prediction System for Commercial Banks Using XGBoost Model

Small and medium-sized enterprises play an important role in promoting employment and innovation, but their small scale, opaque financial information, and unstable operating conditions increase credit risk for commercial banks. Accurate prediction of SME loan default risk can reduce credit losses, optimize credit-resou...

Fa-Jie Yan · 0 citations

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