Yue Yang

Yue Yang, Yuqi Lin, Hong Liu et al.

Recent text-to-image (T2I) models have had great success, and many benchmarks have been proposed to evaluate their performance and safety. However, they only consider explicit prompts while neglecting implicit prompts (hint at a target without explicitly mentioning it). These prompts may get rid of safety constraints and pose potential threats to the applications of these models. This position paper highlights the current state of T2I models toward implicit prompts. We present a benchmark named ImplicitBench and conduct an investigation on the performance and impacts of implicit prompts with popular T2I models. Specifically, we design and collect more than 2,000 implicit prompts of three aspects: General Symbols, Celebrity Privacy, and Not-Safe-For-Work (NSFW) Issues, and evaluate six well-known T2I models' capabilities under these implicit prompts. Experiment results show that (1) T2I models are able to accurately create various target symbols indicated by implicit prompts; (2) Implicit prompts bring potential risks of privacy leakage for T2I models. (3) Constraints of NSFW in most of the evaluated T2I models can be bypassed with implicit prompts. We call for increased attention to the potential and risks of implicit prompts in the T2I community and further investigation into the capabilities and impacts of implicit prompts, advocating for a balanced approach that harnesses their benefits while mitigating their risks.

Yue Yang, Yuxiang Lin, Ying Zhang et al.

Prediction of post-loan default is an important task in credit risk management, and can be addressed by detection of financial anomalies using machine learning. This study introduces a ResE-BiLSTM model, using a sliding window technique, and is evaluated on 44 independent cohorts from the extensive Freddie Mac US mortgage dataset, to improve prediction performance. The ResE-BiLSTM is compared with five baseline models: Long Short-Term Memory (LSTM), BiLSTM, Gated Recurrent Units (GRU), Convolutional Neural Networks (CNN), and Recurrent Neural Networks (RNN), across multiple metrics, including Accuracy, Precision, Recall, F1, and AUC. An ablation study was conducted to evaluate the contribution of individual components in the ResE-BiLSTM architecture. Additionally, SHAP analysis was employed to interpret the underlying features the model relied upon for its predictions. Experimental results demonstrate that ResE-BiLSTM achieves superior predictive performance compared to baseline models, underscoring its practical value and applicability in real-world scenarios.

Yue Yang, Zihan Su, Ying Zhang et al.

This study addresses a critical challenge in time series anomaly detection: enhancing the predictive capability of loan default models more than three months in advance to enable early identification of default events, helping financial institutions implement preventive measures before risk events materialize. Existing methods have significant drawbacks, such as their lack of accuracy in early predictions and their dependence on training and testing within the same year and specific time frames. These issues limit their practical use, particularly with out-of-time data. To address these, the study introduces two innovative architectures, GRU-KAN and LSTM-KAN, which merge Kolmogorov-Arnold Networks (KAN) with Gated Recurrent Units (GRU) and Long Short-Term Memory (LSTM) networks. The proposed models were evaluated against the baseline models (LSTM, GRU, LSTM-Attention, and LSTM-Transformer) in terms of accuracy, precision, recall, F1 and AUC in different lengths of feature window, sample sizes, and early prediction intervals. The results demonstrate that the proposed model achieves a prediction accuracy of over 92% three months in advance and over 88% eight months in advance, significantly outperforming existing baselines.