A Comparative Study of Data Mining Techniques for Credit Scoring in Banking

Shih-Chen Huang and Min-Yuh Day (2013), "A Comparative Study of Data Mining Techniques for Credit Scoring in Banking", in Proceedings of the IEEE International Conference on Information Reuse and Integration (IEEE IRI 2013), San Francisco, California, USA, August 14-16, 2013, pp. 684-691.[[abstract]]Credit is becoming one of the most important incomes of banking. Past studies indicate that the credit risk scoring model has been better for Logistic Regression and Neural Network. The purpose of this paper is to conduct a comparative study on the accuracy of classification models and reduce the credit risk. In this paper, we use data mining of enterprise software to construct four classification models, namely, decision tree, logistic regression, neural network and support vector machine, for credit scoring in banking. We conduct a systematic comparison and analysis on the accuracy of 17 classification models for credit scoring in banking. The contribution of this paper is that we use different classification methods to construct classification models and compare classification models accuracy, and the evidence demonstrates that the support vector machine models have higher accuracy rates and therefore outperform past classification methods in the context of credit scoring in banking.[[sponsorship]]IEEE[[incitationindex]]EI[[conferencetype]]國際[[conferencedate]]20130814~20130816[[booktype]]電子版[[iscallforpapers]]Y[[conferencelocation]]San Francisco, California, US

EA/G-GA for Single Machine Scheduling Problems with Earliness/Tardiness Costs

[[abstract]]An Estimation of Distribution Algorithm (EDA), which depends on explicitly sampling mechanisms based on probabilistic models with information extracted from the parental solutions to generate new solutions, has constituted one of the major research areas in the field of evolutionary computation. The fact that no genetic operators are used in EDAs is a major characteristic differentiating EDAs from other genetic algorithms (GAs). This advantage, however, could lead to premature convergence of EDAs as the probabilistic models are no longer generating diversified solutions. In our previous research [1], we have presented the evidences that EDAs suffer from the drawback of premature convergency, thus several important guidelines are provided for the design of effective EDAs. In this paper, we validated one guideline for incorporating other meta-heuristics into the EDAs. An algorithm named “EA/G-GA” is proposed by selecting a well-known EDA, EA/G, to work with GAs. The proposed algorithm was tested on the NP-Hard single machine scheduling problems with the total weighted earliness/tardiness cost in a just-in-time environment. The experimental results indicated that the EA/G-GA outperforms the compared algorithms statistically significantly across different stopping criteria and demonstrated the robustness of the proposed algorithm. Consequently, this paper is of interest and importance in the field of EDAs.[[notice]]補正完

Ocimum gratissimum Aqueous Extract Induces Apoptotic Signalling in Lung Adenocarcinoma Cell A549

Ocimum gratissimum (OG) is widely used as a traditional herb for its antibacterial activity in Taiwan. Recently, antitumor effect of OG on breast cancer cell is also reported; however, the effects of OG on human pulmonary adenocarcinoma cell A549 remain unclear. Therefore, we aimed to investigate whether aqueous OG extract (OGE) affects viability of A549 cells and the signals induced by OGE in A549 cells. Cell viability assays revealed that OGE significantly and dose-dependently decreased the viability of A549 cell but not that of BEAS-2B cell. Morphological examination and DAPI staining indicated that OGE induced cell shrinkage and DNA condensation for A549 cells. Further investigation showed that OGE enhanced activation of caspase-3, caspase-9 and caspase-8 and increased protein level of Apaf-1 and Bak, but diminished the level of Bcl-2. Additionally, OGE inhibited the phosphorylation of extracellular signal-regulated kinase (ERK) yet enhanced the phosphorylation of c-Jun N-terminal kinase (JNK) and p38 MAP kinase (p38). In conclusion, our findings indicate that OGE suppressed the cell viability of A549 cells, which may result from the activation of apoptotic signaling and the inhibition of anti-apoptotic signaling, suggesting that OGE might be beneficial to lung carcinoma treatment

Adiponectin Gene Polymorphism Is Selectively Associated with the Concomitant Presence of Metabolic Syndrome and Essential Hypertension

OBJECTIVE: Cardiovascular risk increases with the presence of both metabolic syndrome (MetS) and hypertension (HTN). Although the adiponectin (ADIPOQ) gene has been reported to be involved in MetS, its association with HTN remained undetermined. This study aimed to investigate the association of ADIPOQ gene with the phenotypes of HTN and MetS. METHODS: A total of 962 participants from 302 families from the Taiwan young-onset hypertension genetic study were enrolled. Plasma adiponectin were measured, and association analysis was conducted by using GEE regression-based method. Another study, of 1448 unrelated participants, was conducted to replicate the association between ADIPOQ gene and variable phenotypes of MetS with or without HTN. RESULTS: Among 962 subjects from family samples, the lowest plasma adiponectin value was observed in MetS with HTN component (9.3±0.47 µg/ml) compared with hypertensives (13.4±0.74 µg /ml) or MetS without HTN (11.9±0.60 µg/ml, P<0.05). The SNP rs1501299 (G276T) in ADIPOQ gene was found associated with the presence of HTN in MetS (odds ratio for GG+GT vs. TT = 2.46; 95% CI: 1.14-5.3, p = 0.02), but not rs2241766 (T45G). No association of ADIPOQ gene with HTN alone or MetS without HTN was observed. The significant association of the SNP rs1501299 (G276T) with the phenotype of presence of HTN in MetS was confirmed (odds ratio for GG+GT vs. TT = 2.15; 95% CI: 1.1-4.3) in the replication study. CONCLUSIONS: ADIPOQ genetic variants were selectively and specifically associated with the concomitant presence of MetS and HTN, suggesting potential genetic linkage between MetS and HTN

Genetic Polymorphism of XRCC1 Arg399Gln Is Associated With Survival in Non–Small-Cell Lung Cancer Patients Treated With Gemcitabine/Platinum

IntroductionElevated DNA-repair capacity has been related to chemoresistance of platinum doublet chemotherapy in non–small-cell lung cancer (NSCLC). We evaluated whether single nucleotide polymorphisms of DN- repair genes excision repair cross-complementing group 1 (ERCC1), ERCC2, x-ray repair cross-complementing group 1 (XRCC1), XRCC3, and RRM1 associate with treatment outcome in NSCLC patients receiving gemcitabine plus platinum as their first-line chemotherapy.MethodsGenotyping for eight polymorphisms in five DNA-repair genes was performed with the GenomeLab nucleotide polymorphismstream Genotyping System in 62 advanced NSCLC patients in a training set and 45 patients in a validation set treated with gemcitabine/platinum.ResultsIn the training set, the wild-type genotype of XRCC1 Arg399Gln (G/G) was associated with decreased median overall survival (OS) (22 months, 95% confidence interval [CI], 10–34 months versus not reached, log-rank test, p = 0.005) than those carrying variant genotypes (G/A+A/A). In addition, there was a statistically significant longer median OS in patients carrying wild-type ERCC2 Asp312Asn genotype (G/G) (51 months, 95% CI, 19–82 months versus 10 months, log-rank test, p < 0.001) than those carrying heterozygous variant genotypes (G/A). In the multivariate Cox model, we found a significant effect of XRCC1 Arg399Gln (G/A+A/A versus G/G, hazard ratio [HR] 0.290; 95%CI, 0.12–0.705, p = 0.006) and ERCC2 Asp312Asn (G/A versus G/G, HR 14.04; 95% CI, 2.253–87.513, p = 0.005) polymorphisms on patients’ OS. In the validation set, only XRCC1 399ConclusionsGenetic polymorphism of XRCC1 Arg399Gln may be a candidate for contributing interindividual difference in the OS of gemcitabine/platinum-treated advanced NSCLC patients

A brief review of revocable ID-based public key cryptosystem

SummaryThe design of ID-based cryptography has received much attention from researchers. However, how to revoke the misbehaviour/compromised user in ID-based public key cryptosystem becomes an important research issue. Recently, Tseng and Tsai proposed a novel public key cryptosystem called revocable ID-based public key cryptosystem (RIBE) to solve the revocation problem. Later on, numerous research papers based on the Tseng-Tsai key RIBE were proposed. In this paper, we brief review Tseng and Tsai's RIBE. We hope this review can help the readers to understand the Tseng and Tsai's revocable ID-based public key cryptosystem

Toxicity assessments of chalcone and some synthetic chalcone analogues in a zebrafish model

[[abstract]]The aim of this study was to investigate the in vivo toxicities of some novel synthetic chalcones. Chalcone and four chalcone analogues 1a–d were evaluated using zebrafish embryos following antibody staining to visualize their morphological changes and muscle fiber alignment. Results showed that embryos treated with 3'-hydroxychalcone (compound 1b) displayed a high percentage of muscle defects (96.6%), especially myofibril misalignment. Ultrastructural analysis revealed that compound 1b-treated embryos displayed many muscle defect phenotypes, including breakage and collapse of myofibrils, reduced cell numbers, and disorganized thick (myosin) and thin (actin) filaments. Taken together, our results provide in vivo evidence of the myotoxic effects of the synthesized chalcone analogues on developing zebrafish embryos.[[incitationindex]]SCI[[booktype]]電子

Ocimum gratissimum Aqueous Extract Protects H9c2 Myocardiac Cells from H2O2-Induced Cell Apoptosis through Akt Signalling

Increased cell death of cardiomyocyte by oxidative stress is known to cause dysfunction of the heart. O. gratissimum is one of the more well-known medicinal plants among the Ocimum species and widely used in treatment of inflammatory diseases. In this study, we hypothesized that aqueous extract of O. gratissimum leaf (OGE) may protect myocardiac cell H9c2 from oxidative injury by hydrogen peroxide (H2O2). Our results revealed that OGE pretreatment dose-dependently protects H9c2 cells from cell death when exposed to H2O2. Additionally, DNA condensation induced by H2O2 was also reduced by OGE pretreatment, suggesting that Ocimum gratissimum extract may attenuate H2O2-induced chromosome damage. Further investigation showed that OGE pretreatment inhibited H2O2-induced activation of caspase-3 and caspase-9, as well as H2O2-induced upregulation of proapoptotic Apaf-1 and the release of cytosolic cytochrome c, but has little effect on the activation of caspase-8. Additionally, OGE pretreatment significantly upregulated Bcl-2 expression and Akt phosphorylation, and slightly affected the phosphorylation of mitogen-activated protein kinases including p38 MAPK and JNK. Taken together, our findings revealed that Ocimum gratissimum extract effectively inhibited the mitochondrial pathway and upregulated Bcl-2 expression, which may be important in protecting H9c2 cells from H2O2-induced cell death

Exploring impacts of project leaders’ written expressions in virtual and fluid projects: The role of personality and emotion

This paper aims to tackle challenges of managing projects in highly virtual and fluid contexts, characterized by diversity, dispersion, digital dependence, unstable membership, and dynamic coordination and configuration. We investigate project leaders’ personality and emotion expressed in written expression and examine their impacts on collaboration outcomes. IBM Watson Personality Insights and Tone Analyzer were adopted to assess the leader’s personality and emotion. A computation model to classify collaboration patterns into taskwork-related and teamwork-related communication is under development. We report preliminary findings based on 417 weekly meetings between October 2018 and February 2020 in 8 open-source software teams around WordPress. The research results have the potential to inform researchers and practitioners about what personality profiles and emotions should be considered to foster collaboration in virtual and fluid projects. It is possible to extend the boundary condition of the traits school of leadership for project management in the new context