Financing problems of small and micro enterprises under digital Inclusive Finance

small and micro enterprises are the main body of Inclusive Finance and the main direction of its development. “Diffi cult and expensive fi nancing” has hindered the development of small and micro enterprises. Inclusive Finance is a fi nancial service that takes into account the common interests of banks and banks and can better meet the financing needs of small and micro enterprises. Taking Inclusive Finance as the breakthrough point, this paper focuses on the challenges faced by small and micro enterprises, such as the imperfect regulatory system, the turmoil of private fi nance, and the diffi culties in the development of the guarantee industry. Under the background of digital Inclusive Finance, the author puts forward solutions to the fi nancing problems of small and micro enterprises, so as to promote the healthy development of small and micro enterprises

Task Decomposition and Synchronization for Semantic Biomedical Image Segmentation

Semantic segmentation is essentially important to biomedical image analysis. Many recent works mainly focus on integrating the Fully Convolutional Network (FCN) architecture with sophisticated convolution implementation and deep supervision. In this paper, we propose to decompose the single segmentation task into three subsequent sub-tasks, including (1) pixel-wise image segmentation, (2) prediction of the class labels of the objects within the image, and (3) classification of the scene the image belonging to. While these three sub-tasks are trained to optimize their individual loss functions of different perceptual levels, we propose to let them interact by the task-task context ensemble. Moreover, we propose a novel sync-regularization to penalize the deviation between the outputs of the pixel-wise segmentation and the class prediction tasks. These effective regularizations help FCN utilize context information comprehensively and attain accurate semantic segmentation, even though the number of the images for training may be limited in many biomedical applications. We have successfully applied our framework to three diverse 2D/3D medical image datasets, including Robotic Scene Segmentation Challenge 18 (ROBOT18), Brain Tumor Segmentation Challenge 18 (BRATS18), and Retinal Fundus Glaucoma Challenge (REFUGE18). We have achieved top-tier performance in all three challenges.Comment: IEEE Transactions on Medical Imagin

Unsupervised Feature Selection with Adaptive Structure Learning

The problem of feature selection has raised considerable interests in the past decade. Traditional unsupervised methods select the features which can faithfully preserve the intrinsic structures of data, where the intrinsic structures are estimated using all the input features of data. However, the estimated intrinsic structures are unreliable/inaccurate when the redundant and noisy features are not removed. Therefore, we face a dilemma here: one need the true structures of data to identify the informative features, and one need the informative features to accurately estimate the true structures of data. To address this, we propose a unified learning framework which performs structure learning and feature selection simultaneously. The structures are adaptively learned from the results of feature selection, and the informative features are reselected to preserve the refined structures of data. By leveraging the interactions between these two essential tasks, we are able to capture accurate structures and select more informative features. Experimental results on many benchmark data sets demonstrate that the proposed method outperforms many state of the art unsupervised feature selection methods

A Pairwise Probe for Understanding BERT Fine-Tuning on Machine Reading Comprehension

Pre-trained models have brought significant improvements to many NLP tasks and have been extensively analyzed. But little is known about the effect of fine-tuning on specific tasks. Intuitively, people may agree that a pre-trained model already learns semantic representations of words (e.g. synonyms are closer to each other) and fine-tuning further improves its capabilities which require more complicated reasoning (e.g. coreference resolution, entity boundary detection, etc). However, how to verify these arguments analytically and quantitatively is a challenging task and there are few works focus on this topic. In this paper, inspired by the observation that most probing tasks involve identifying matched pairs of phrases (e.g. coreference requires matching an entity and a pronoun), we propose a pairwise probe to understand BERT fine-tuning on the machine reading comprehension (MRC) task. Specifically, we identify five phenomena in MRC. According to pairwise probing tasks, we compare the performance of each layer's hidden representation of pre-trained and fine-tuned BERT. The proposed pairwise probe alleviates the problem of distraction from inaccurate model training and makes a robust and quantitative comparison. Our experimental analysis leads to highly confident conclusions: (1) Fine-tuning has little effect on the fundamental and low-level information and general semantic tasks. (2) For specific abilities required for downstream tasks, fine-tuned BERT is better than pre-trained BERT and such gaps are obvious after the fifth layer.Comment: e.g.: 4 pages, 1 figur