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

HealthPrism: A Visual Analytics System for Exploring Children's Physical and Mental Health Profiles with Multimodal Data

The correlation between children's personal and family characteristics (e.g., demographics and socioeconomic status) and their physical and mental health status has been extensively studied across various research domains, such as public health, medicine, and data science. Such studies can provide insights into the underlying factors affecting children's health and aid in the development of targeted interventions to improve their health outcomes. However, with the availability of multiple data sources, including context data (i.e., the background information of children) and motion data (i.e., sensor data measuring activities of children), new challenges have arisen due to the large-scale, heterogeneous, and multimodal nature of the data. Existing statistical hypothesis-based and learning model-based approaches have been inadequate for comprehensively analyzing the complex correlation between multimodal features and multi-dimensional health outcomes due to the limited information revealed. In this work, we first distill a set of design requirements from multiple levels through conducting a literature review and iteratively interviewing 11 experts from multiple domains (e.g., public health and medicine). Then, we propose HealthPrism, an interactive visual and analytics system for assisting researchers in exploring the importance and influence of various context and motion features on children's health status from multi-level perspectives. Within HealthPrism, a multimodal learning model with a gate mechanism is proposed for health profiling and cross-modality feature importance comparison. A set of visualization components is designed for experts to explore and understand multimodal data freely. We demonstrate the effectiveness and usability of HealthPrism through quantitative evaluation of the model performance, case studies, and expert interviews in associated domains.Comment: 11 pages, 6 figures, Accepted by IEEE VIS2

The fast light of CsI(Na) crystals

The responds of different common alkali halide crystals to alpha-rays and gamma-rays are tested in our research. It is found that only CsI(Na) crystals have significantly different waveforms between alpha and gamma scintillations, while others have not this phenomena. It is suggested that the fast light of CsI(Na) crystals arises from the recombination of free electrons with self-trapped holes of the host crystal CsI. Self-absorption limits the emission of fast light of CsI(Tl) and NaI(Tl) crystals.Comment: 5 pages, 11 figures Submit to Chinese Physics

A novel risk model based on anoikis: Predicting prognosis and immune infiltration in cutaneous melanoma

Cutaneous melanoma (CM) is a highly aggressive malignancy with a dimal prognosis and limited treatment options. Anoikis is believed to involve in the regeneration, migration, and metastasis of tumor. The exact role of anoikis-related genes (ARGs) in the development and progression of cutaneous melanoma, however, remains elusive. Four ARGs (SNAI2, TFDP1, IKBKG, and MCL1) with significant differential expression were selected through Cox regression and LASSO analyses. Data for internal and external cohorts validated the accuracy and clinical utility of the prognostic risk model based on ARGs. The Kaplan–Meier curve indicated a much better overall survival rate of low-risk patients. Notably, we also found that the action of ARGs in the CM was mediated by immune-related signaling pathways. Consensus clustering and TIME landscape analysis also indicated that the low-risk score patients have excellent immune status. Moreover, the results of immunotherapy response and drug sensitivity also confirmed the potential implications of informing individualized immune therapeutic strategies for CM. Collectively, the predictive risk model constructed based on ARGs provides an excellent and accurate prediction tool for CM patients. This present research provides a rationale for the joint application of targeted therapy and immunotherapy in CM treatment. The approach could have great therapeutic value and make a contribution to personalized medicine therapy

A novel risk model based on cuproptosis-related lncRNAs predicted prognosis and indicated immune microenvironment landscape of patients with cutaneous melanoma

Cutaneous melanoma (CM) is an aggressive form of malignancy with poor prognostic value. Cuproptosis is a novel type of cell death regulatory mechanism in tumors. However, the role of cuproptosis-related long noncoding RNAs (lncRNAs) in CM remains elusive. The cuproptosis-related lncRNAs were identified using the Pearson correlation algorithm. Through the univariate and multivariate Cox regression analysis, the prognosis of seven lncRNAs associated with cuproptosis was established and a new risk model was constructed. ESTIMATE, CIBERSORT, and single sample gene set enrichment analyses (ssGSEA) were applied to evaluate the immune microenvironment landscape. The Kaplan–Meier survival analysis revealed that the overall survival (OS) of CM patients in the high-risk group was remarkably lower than that of the low-risk group. The result of the validated cohort and the training cohort indicated that the risk model could produce an accurate prediction of the prognosis of CM. The nomogram result demonstrated that the risk score based on the seven prognostic cuproptosis-related lncRNAs was an independent prognostic indicator feature that distinguished it from other clinical features. The result of the immune microenvironment landscape indicated that the low-risk group showed better immunity than high-risk group. The immunophenoscore (IPS) and immune checkpoints results conveyed a better benefit potential for immunotherapy clinical application in the low-risk groups. The enrichment analysis and the gene set variation analysis (GSVA) were adopted to reveal the role of cuproptosis-related lncRNAs mediated by the immune-related signaling pathways in the development of CM. Altogether, the construction of the risk model based on cuproptosis-related lncRNAs can accurately predict the prognosis of CM and indicate the immune microenvironment of CM, providing a new perspective for the future clinical treatment of CM

OSlms: A Web Server to Evaluate the Prognostic Value of Genes in Leiomyosarcoma

The availability of transcriptome data and clinical annotation offers the opportunity to identify prognosis biomarkers in cancer. However, efficient online prognosis analysis tools are still lacking. Herein, we developed a user-friendly web server, namely Online consensus Survival analysis of leiomyosarcoma (OSlms), to centralize published gene expression data and clinical datasets of leiomyosarcoma (LMS) patients from The Cancer Genome Atlas (TCGA) and Gene Expression Omnibus (GEO). OSlms comprises of a total of 268 samples from three independent datasets, and employs the Kaplan Meier survival plot with hazard ratio (HR) and log rank test to estimate the prognostic potency of genes of interests for LMS patients. Using OSlms, clinicians and basic researchers could determine the prognostic significance of genes of interests and get opportunities to identify novel potential important molecules for LMS. OSlms is free and publicly accessible at http://bioinfo.henu.edu.cn/LMS/LMSList.jsp

A two-step lineage reprogramming strategy to generate functionally competent human hepatocytes from fibroblasts

Terminally differentiated cells can be generated by lineage reprogramming, which is, however, hindered by incomplete conversion with residual initial cell identity and partial functionality. Here, we demonstrate a new reprogramming strategy by mimicking the natural regeneration route, which permits generating expandable hepatic progenitor cells and functionally competent human hepatocytes. Fibroblasts were first induced into human hepatic progenitor-like cells (hHPLCs), which could robustly expand in vitro and efficiently engraft in vivo. Moreover, hHPLCs could be efficiently induced into mature human hepatocytes (hiHeps) in vitro, whose molecular identity highly resembles primary human hepatocytes (PHHs). Most importantly, hiHeps could be generated in large quantity and were functionally competent to replace PHHs for drug-metabolism estimation, toxicity prediction and hepatitis B virus infection modeling. Our results highlight the advantages of the progenitor stage for successful lineage reprogramming. This strategy is promising for generating other mature human cell types by lineage reprogramming.</p

Long-term functional maintenance of primary human hepatocytes in vitro

The maintenance of terminally differentiated cells, especially hepatocytes, in vitro has proven challenging. Here we demonstrated the long-term in vitro maintenance of primary human hepatocytes (PHHs) by modulating cell signaling pathways with a combination of five chemicals (5C). 5C-cultured PHHs showed global gene expression profiles and hepatocyte-specific functions resembling those of freshly isolated counterparts. Furthermore, these cells efficiently recapitulated the entire course of hepatitis B virus (HBV) infection over 4 weeks with the production of infectious viral particles and formation of HBV covalently closed circular DNA. Our study demonstrates that, with a chemical approach, functional maintenance of PHHs supports long-term HBV infection in vitro, providing an efficient platform for investigating HBV cell biology and antiviral drug screening.</p

Neutrino Physics with JUNO

The Jiangmen Underground Neutrino Observatory (JUNO), a 20 kton multi-purposeunderground liquid scintillator detector, was proposed with the determinationof the neutrino mass hierarchy as a primary physics goal. It is also capable ofobserving neutrinos from terrestrial and extra-terrestrial sources, includingsupernova burst neutrinos, diffuse supernova neutrino background, geoneutrinos,atmospheric neutrinos, solar neutrinos, as well as exotic searches such asnucleon decays, dark matter, sterile neutrinos, etc. We present the physicsmotivations and the anticipated performance of the JUNO detector for variousproposed measurements. By detecting reactor antineutrinos from two power plantsat 53-km distance, JUNO will determine the neutrino mass hierarchy at a 3-4sigma significance with six years of running. The measurement of antineutrinospectrum will also lead to the precise determination of three out of the sixoscillation parameters to an accuracy of better than 1\%. Neutrino burst from atypical core-collapse supernova at 10 kpc would lead to ~5000inverse-beta-decay events and ~2000 all-flavor neutrino-proton elasticscattering events in JUNO. Detection of DSNB would provide valuable informationon the cosmic star-formation rate and the average core-collapsed neutrinoenergy spectrum. Geo-neutrinos can be detected in JUNO with a rate of ~400events per year, significantly improving the statistics of existing geoneutrinosamples. The JUNO detector is sensitive to several exotic searches, e.g. protondecay via the $p\to K^++\bar\nu$ decay channel. The JUNO detector will providea unique facility to address many outstanding crucial questions in particle andastrophysics. It holds the great potential for further advancing our quest tounderstanding the fundamental properties of neutrinos, one of the buildingblocks of our Universe

Potential of Core-Collapse Supernova Neutrino Detection at JUNO

JUNO is an underground neutrino observatory under construction in Jiangmen, China. It uses 20kton liquid scintillator as target, which enables it to detect supernova burst neutrinos of a large statistics for the next galactic core-collapse supernova (CCSN) and also pre-supernova neutrinos from the nearby CCSN progenitors. All flavors of supernova burst neutrinos can be detected by JUNO via several interaction channels, including inverse beta decay, elastic scattering on electron and proton, interactions on C12 nuclei, etc. This retains the possibility for JUNO to reconstruct the energy spectra of supernova burst neutrinos of all flavors. The real time monitoring systems based on FPGA and DAQ are under development in JUNO, which allow prompt alert and trigger-less data acquisition of CCSN events. The alert performances of both monitoring systems have been thoroughly studied using simulations. Moreover, once a CCSN is tagged, the system can give fast characterizations, such as directionality and light curve