Empowering Many, Biasing a Few: Generalist Credit Scoring through Large Language Models

In the financial industry, credit scoring is a fundamental element, shaping access to credit and determining the terms of loans for individuals and businesses alike. Traditional credit scoring methods, however, often grapple with challenges such as narrow knowledge scope and isolated evaluation of credit tasks. Our work posits that Large Language Models (LLMs) have great potential for credit scoring tasks, with strong generalization ability across multiple tasks. To systematically explore LLMs for credit scoring, we propose the first open-source comprehensive framework. We curate a novel benchmark covering 9 datasets with 14K samples, tailored for credit assessment and a critical examination of potential biases within LLMs, and the novel instruction tuning data with over 45k samples. We then propose the first Credit and Risk Assessment Large Language Model (CALM) by instruction tuning, tailored to the nuanced demands of various financial risk assessment tasks. We evaluate CALM, and existing state-of-art (SOTA) open source and close source LLMs on the build benchmark. Our empirical results illuminate the capability of LLMs to not only match but surpass conventional models, pointing towards a future where credit scoring can be more inclusive, comprehensive, and unbiased. We contribute to the industry's transformation by sharing our pioneering instruction-tuning datasets, credit and risk assessment LLM, and benchmarks with the research community and the financial industry

Dephosphorylated Polymerase I and Transcript Release Factor Prevents Allergic Asthma Exacerbations by Limiting IL-33 Release

BackgroundAsthma is a chronic inflammatory disease characterized by airway inflammation and airway hyperresponsiveness (AHR). IL-33 is considered as one of the most critical molecules in asthma pathogenesis. IL-33 is stored in nucleus and passively released during necrosis. But little is known about whether living cells can release IL-33 and how this process is regulated.ObjectiveWe sought to investigate the role of polymerase I and transcript release factor (PTRF) in IL-33 release and asthma pathogenesis.MethodsOvalbumin (OVA)-induced asthma model in PTRF+/− mice were employed to dissect the role of PTRF in vivo. Then, further in vitro experiments were carried out to unwind the potential mechanism involved.ResultsIn OVA asthma model with challenge phase, PTRF+/− mice showed a greater airway hyper-reaction, with an intense airway inflammation and more eosinophils in bronchoalveolar lavage fluid (BALF). Consistently, more acute type 2 immune response in lung and a higher IL-33 level in BALF were found in PTRF+/− mice. In OVA asthma model without challenge phase, airway inflammation and local type 2 immune responses were comparable between control mice and PTRF+/− mice. Knockdown of PTRF in 16HBE led to a significantly increased level of IL-33 in cell culture supernatants in response to LPS or HDM. Immunoprecipitation assay clarified Y158 as the major phosphorylation site of PTRF, which was also critical for the interaction of IL-33 and PTRF. Overexpression of dephosphorylated mutant Y158F of PTRF sequestered IL-33 in nucleus together with PTRF and limited IL-33 extracellular secretion.ConclusionPartial loss of PTRF led to a greater AHR and potent type 2 immune responses during challenge phase of asthma model, without influencing the sensitization phase. PTRF phosphorylation status determined subcellular location of PTRF and, therefore, regulated IL-33 release

High-resolution cryo-electron microscopy structure of photosystem II from the mesophilic cyanobacterium, Synechocystis sp. PCC 6803

Photosystem II (PSII) enables global-scale, light-driven water oxidation. Genetic manipulation of PSII from the mesophilic cyanobacterium Synechocystis sp. PCC 6803 has provided insights into the mechanism of water oxidation; however, the lack of a highresolution structure of oxygen-evolving PSII from this organism has limited the interpretation of biophysical data to models based on structures of thermophilic cyanobacterial PSII. Here, we report the cryo-electron microscopy structure of PSII from Synechocystis sp. PCC 6803 at 1.93-Å resolution. A number of differences are observed relative to thermophilic PSII structures, including the following: the extrinsic subunit PsbQ is maintained, the C terminus of the D1 subunit is flexible, some waters near the active site are partially occupied, and differences in the PsbV subunit block the Large (O1) water channel. These features strongly influence the structural picture of PSII, especially as it pertains to the mechanism of water oxidation

Construção de um protótipo de Data Warehouse como suporte ao sistema de informação numa instituição de ensino superior

Uma das dificuldades que se verifica na extracção de informação numa organização é a falta de integração dos dados existentes dispersos em diversos formatos: ficheiros de processadores de texto, folhas de cálculo, bases de dados, entre outras fontes. A partir deste problema, este trabalho propõe a estruturação de um modelo de Data Warehouse com o objectivo de organizar, armazenar e integrar as informações provenientes de outros formatos e sistemas, numa única base de dados para uma futura utilização no suporte à tomada de decisão. Existem, neste momento, na comunidade de Data Warehousing duas principais abordagens, uma preconizada por William H. Inmon, mais centrada nos dados, e outra por Ralph Kimball, mais centrada no projecto. Assim, com a metodologia proposta foi desenvolvido um caso de estudo com a finalidade de verificar e avaliar a aplicabilidade da metodologia no Instituto Politécnico de Tomar; ABSTRACT: One difficulty that exists in the extraction of information in organizations is the lack of integration of existing data scattered in various formats: word processing files, spreadsheets, databases, among other sources. From this problem, this paper proposes to structure a model of Data Warehouse in order to organize, store and integrate information from other systems and formats in a single database for future use in supporting decision making. There are at present in the community of Data Warehousing two main approaches, one advocated by William H. Inmon, more data-centric, and one by Ralph Kimball, more focused on the project. So with the proposed methodology was developed a case study in order to verify and evaluate the applicability of the methodology at the Polytechnic Institute of Tomar

Inclusive search for supersymmetry using razor variables in pp collisions at root s=13 TeV

Peer reviewe

Differential allocation of carbon in fenced and clipped grasslands: a C-13 tracer study in the semiarid Chinese Loess Plateau

The objectives of this study were to determine the partitioning pattern of recently fixed carbon in a plant-soil system and the difference in patterns of carbon flux between fenced and clipped grasslands in the Chinese Loess Plateau (CLP)

Engineered inhaled nanocatalytic therapy for ischemic cerebrovascular disease by inducing autophagy of abnormal mitochondria

Abstract Mitochondrial dysfunction and subsequent accumulation of reactive oxygen species (ROS) are key contributors to the pathology of ischemic cerebrovascular disease. Therefore, elimination of ROS and damaged mitochondria is crucial for the effective treatment of this disease. For this purpose, we designed an inhalation nanotherapeutic agent, P/D@Mn/Co3O4, to treat ischemic cerebrovascular disease. Mn/Co3O4 effectively removed excess ROS from cells, reduced acute cellular oxidative stress, and protected neural cells from apoptosis. Furthermore, it depleted the H+ surrounding mitochondria and depolarized the mitochondrial membrane potential, inducing mitophagy and eliminating abnormal mitochondria, thereby avoiding the continuous overproduction of ROS by eliminating the source of ROS regeneration. On intranasal administration, Mn/Co3O4 encapsulated by platelet membranes and 2,3-(dioxy propyl)-trimethylammonium chloride can bypass the blood–brain barrier, enter the brain through the trigeminal and olfactory pathways, and target inflammatory regions to remove ROS and damaged mitochondria from the lesion area. In rat models of stroke and vascular dementia, P/D@Mn/Co3O4 effectively inhibited the symptoms of acute and chronic cerebral ischemia by scavenging ROS and damaged mitochondria in the affected area. Our findings indicate that the nanotherapeutic agent developed in this study can be used for the effective treatment of ischemic cerebrovascular disease