Yisi Wang

Yumeng Shi, Zhongliang Yang, DiYang Lu et al.

Corporate credit rating serves as a crucial intermediary service in the market economy, playing a key role in maintaining economic order. Existing credit rating models rely on financial metrics and deep learning. However, they often overlook insights from non-financial data, such as corporate annual reports. To address this, this paper introduces a corporate credit rating framework that integrates financial data with features extracted from annual reports using FinBERT, aiming to fully leverage the potential value of unstructured text data. In addition, we have developed a large-scale dataset, the Comprehensive Corporate Rating Dataset (CCRD), which combines both traditional financial data and textual data from annual reports. The experimental results show that the proposed method improves the accuracy of the rating predictions by 8-12%, significantly improving the effectiveness and reliability of corporate credit ratings.

YiGui Luo, RuiJia Yang, Wei Sha et al.

Many studies have been done to prove the vulnerability of neural networks to adversarial example. A trained and well-behaved model can be fooled by a visually imperceptible perturbation, i.e., an originally correctly classified image could be misclassified after a slight perturbation. In this paper, we propose a black-box strategy to attack such networks using an evolution algorithm. First, we formalize the generation of an adversarial example into the optimization problem of perturbations that represent the noise added to an original image at each pixel. To solve this optimization problem in a black-box way, we find that an evolution algorithm perfectly meets our requirement since it can work without any gradient information. Therefore, we test various evolution algorithms, including a simple genetic algorithm, a parameter-exploring policy gradient, an OpenAI evolution strategy, and a covariance matrix adaptive evolution strategy. Experimental results show that a covariance matrix adaptive evolution Strategy performs best in this optimization problem. Additionally, we also perform several experiments to explore the effect of different regularizations on improving the quality of an adversarial example.