Shaobo Guo

Chang Yu, Yixin Jin, Qianwen Xing et al.

Bank credit risk is a significant challenge in modern financial transactions, and the ability to identify qualified credit card holders among a large number of applicants is crucial for the profitability of a bank'sbank's credit card business. In the past, screening applicants'applicants' conditions often required a significant amount of manual labor, which was time-consuming and labor-intensive. Although the accuracy and reliability of previously used ML models have been continuously improving, the pursuit of more reliable and powerful AI intelligent models is undoubtedly the unremitting pursuit by major banks in the financial industry. In this study, we used a dataset of over 40,000 records provided by a commercial bank as the research object. We compared various dimensionality reduction techniques such as PCA and T-SNE for preprocessing high-dimensional datasets and performed in-depth adaptation and tuning of distributed models such as LightGBM and XGBoost, as well as deep models like Tabnet. After a series of research and processing, we obtained excellent research results by combining SMOTEENN with these techniques. The experiments demonstrated that LightGBM combined with PCA and SMOTEENN techniques can assist banks in accurately predicting potential high-quality customers, showing relatively outstanding performance compared to other models.

Qizhe Zhang, Aosong Cheng, Ming Lu et al.

Large vision-language models (LVLMs) generally contain significantly more visual tokens than their textual counterparts, resulting in a considerable computational burden. Recent efforts have been made to tackle this issue by pruning visual tokens early within the language model. Most existing works use attention scores between text and visual tokens to assess the importance of visual tokens. However, in this study, we first analyze the text-visual attention in the language model and find that this score is not an ideal indicator for token pruning. Based on the analysis, We propose VisPruner, a plug-and-play method that utilizes visual cues for more effective token pruning in LVLMs. Specifically, we first use visual attention to select a limited number of significant tokens. Then, we remove duplicate tokens from the remaining ones based on their similarity. By retaining diverse tokens alongside the initially selected important tokens, we maximally preserve the visual information of the input image. Experimental results demonstrate that our VisPruner sustains strong performance across various VLM architectures and reduction ratios, significantly outperforming existing methods based on text-visual attention. Notably, without any training, VisPruner can reduce the FLOPs of LLaVA-1.5-7B by 91% and inference latency by 75%, while maintaining comparable performance. Our code is available at https://github.com/Theia-4869/VisPruner.

Shaobo Guo, Xiao Jiang, Zhizhong Su et al.

As a critical cue for understanding human intention, human gaze provides a key signal for Human-Computer Interaction(HCI) applications. Appearance-based gaze estimation, which directly regresses the gaze vector from eye images, has made great progress recently based on Convolutional Neural Networks(ConvNets) architecture and open-source large-scale gaze datasets. However, encoding model-based knowledge into CNN model to further improve the gaze estimation performance remains a topic that needs to be explored. In this paper, we propose HybridGazeNet(HGN), a unified framework that encodes the geometric eyeball model into the appearance-based CNN architecture explicitly. Composed of a multi-branch network and an uncertainty module, HybridGazeNet is trained using a hyridized strategy. Experiments on multiple challenging gaze datasets shows that HybridGazeNet has better accuracy and generalization ability compared with existing SOTA methods. The code will be released later.

Chang Yu, Fang Liu, Jie Zhu et al. · amazon-science

This paper proposes a hybrid framework combining LSTM (Long Short-Term Memory) networks with LightGBM and CatBoost for stock price prediction. The framework processes time-series financial data and evaluates performance using seven models: Artificial Neural Networks (ANNs), Convolutional Neural Networks (CNNs), Bidirectional LSTM (BiLSTM), vanilla LSTM, XGBoost, LightGBM, and standard Neural Networks (NNs). Key metrics, including MAE, R-squared, MSE, and RMSE, are used to establish benchmarks across different time scales. Building on these benchmarks, we develop an ensemble model that combines the strengths of sequential and tree-based approaches. Experimental results show that the proposed framework improves accuracy by 10 to 15 percent compared to individual models and reduces error during market changes. This study highlights the potential of ensemble methods for financial forecasting and provides a flexible design for integrating new machine learning techniques.