Yu Zhao

Shaopeng Wei, Beni Egressy, Xingyan Chen et al.

Enterprise credit assessment is critical for evaluating financial risk, and Graph Neural Networks (GNNs), with their advanced capability to model inter-entity relationships, are a natural tool to get a deeper understanding of these financial networks. However, existing GNN-based methodologies predominantly emphasize entity-level attention mechanisms for contagion risk aggregation, often overlooking the heterogeneous importance of different feature dimensions, thus falling short in adequately modeling credit risk levels. To address this issue, we propose a novel architecture named Graph Dimension Attention Network (GDAN), which incorporates a dimension-level attention mechanism to capture fine-grained risk-related characteristics. Furthermore, we explore the interpretability of the GNN-based method in financial scenarios and propose a simple but effective data-centric explainer for GDAN, called GDAN-DistShift. DistShift provides edge-level interpretability by quantifying distribution shifts during the message-passing process. Moreover, we collected a real-world, multi-source Enterprise Credit Assessment Dataset (ECAD) and have made it accessible to the research community since high-quality datasets are lacking in this field. Extensive experiments conducted on ECAD demonstrate the effectiveness of our methods. In addition, we ran GDAN on the well-known datasets SMEsD and DBLP, also with excellent results.

Yu Zhao, Alessio Devoto, Giwon Hong et al.

Large language models (LLMs) can store a significant amount of factual knowledge in their parameters. However, their parametric knowledge may conflict with the information provided in the context -- this phenomenon, known as \emph{context-memory knowledge conflicts}, can lead to undesirable model behaviour, such as reliance on outdated or incorrect information. Analysing the internal activations of LLMs, we find that they can internally register the signals of knowledge conflict at mid-layers. Such signals allow us to detect whether a knowledge conflict occurs and use \emph{inference-time} intervention strategies to resolve it. In this work, we propose \textsc{SpARE}, a \emph{training-free} representation engineering method that uses pre-trained sparse auto-encoders (SAEs) to control the knowledge selection behaviour of LLMs. \textsc{SpARE} identifies the functional features that control the knowledge selection behaviours and applies them to edit the internal activations of LLMs at inference time. Our experimental results show that \textsc{SpARE} can effectively control the usage of either knowledge source to resolve knowledge conflict in open-domain question-answering tasks, surpassing existing representation engineering methods ($+10\%$) as well as contrastive decoding methods ($+15\%$).

Yu Zhao, Shaopeng Wei, Yu Guo et al.

Predicting the bankruptcy risk of small and medium-sized enterprises (SMEs) is an important step for financial institutions when making decisions about loans. Existing studies in both finance and AI research fields, however, tend to only consider either the intra-risk or contagion risk of enterprises, ignoring their interactions and combinatorial effects. This study for the first time considers both types of risk and their joint effects in bankruptcy prediction. Specifically, we first propose an enterprise intra-risk encoder based on statistically significant enterprise risk indicators for its intra-risk learning. Then, we propose an enterprise contagion risk encoder based on enterprise relation information from an enterprise knowledge graph for its contagion risk embedding. In particular, the contagion risk encoder includes both the newly proposed Hyper-Graph Neural Networks and Heterogeneous Graph Neural Networks, which can model contagion risk in two different aspects, i.e. common risk factors based on hyperedges and direct diffusion risk from neighbors, respectively. To evaluate the model, we collect real-world multi-sources data on SMEs and build a novel benchmark dataset called SMEsD. We provide open access to the dataset, which is expected to further promote research on financial risk analysis. Experiments on SMEsD against twelve state-of-the-art baselines demonstrate the effectiveness of the proposed model for bankruptcy prediction.

Yu Zhao, Jia Song, Huali Feng et al.

Keyphrase provides accurate information of document content that is highly compact, concise, full of meanings, and widely used for discourse comprehension, organization, and text retrieval. Though previous studies have made substantial efforts for automated keyphrase extraction and generation, surprisingly, few studies have been made for \textit{keyphrase completion} (KPC). KPC aims to generate more keyphrases for document (e.g. scientific publication) taking advantage of document content along with a very limited number of known keyphrases, which can be applied to improve text indexing system, etc. In this paper, we propose a novel KPC method with an encoder-decoder framework. We name it \textit{deep keyphrase completion} (DKPC) since it attempts to capture the deep semantic meaning of the document content together with known keyphrases via a deep learning framework. Specifically, the encoder and the decoder in DKPC play different roles to make full use of the known keyphrases. The former considers the keyphrase-guiding factors, which aggregates information of known keyphrases into context. On the contrary, the latter considers the keyphrase-inhibited factor to inhibit semantically repeated keyphrase generation. Extensive experiments on benchmark datasets demonstrate the efficacy of our proposed model.

Yu Zhao, Anxiang Zhang, Ruobing Xie et al.

Knowledge graph (KG) entity typing aims at inferring possible missing entity type instances in KG, which is a very significant but still under-explored subtask of knowledge graph completion. In this paper, we propose a novel approach for KG entity typing which is trained by jointly utilizing local typing knowledge from existing entity type assertions and global triple knowledge from KGs. Specifically, we present two distinct knowledge-driven effective mechanisms of entity type inference. Accordingly, we build two novel embedding models to realize the mechanisms. Afterward, a joint model with them is used to infer missing entity type instances, which favors inferences that agree with both entity type instances and triple knowledge in KGs. Experimental results on two real-world datasets (Freebase and YAGO) demonstrate the effectiveness of our proposed mechanisms and models for improving KG entity typing. The source code and data of this paper can be obtained from: https://github.com/ Adam1679/ConnectE

Yu Zhao, Ji Liu

Knowledge graph (KG) refinement mainly aims at KG completion and correction (i.e., error detection). However, most conventional KG embedding models only focus on KG completion with an unreasonable assumption that all facts in KG hold without noises, ignoring error detection which also should be significant and essential for KG refinement.In this paper, we propose a novel support-confidence-aware KG embedding framework (SCEF), which implements KG completion and correction simultaneously by learning knowledge representations with both triple support and triple confidence. Specifically, we build model energy function by incorporating conventional translation-based model with support and confidence. To make our triple support-confidence more sufficient and robust, we not only consider the internal structural information in KG, studying the approximate relation entailment as triple confidence constraints, but also the external textual evidence, proposing two kinds of triple supports with entity types and descriptions respectively.Through extensive experiments on real-world datasets, we demonstrate SCEF's effectiveness.