Research on Influence of Attribute Frame Effect on Loan Decision of Undergraduate and Risk Assessment Model of Undergraduate Loan Behavior | Zendy

Jinsong Luan | Zendy

Open Access

Research on Influence of Attribute Frame Effect on Loan Decision of Undergraduate and Risk Assessment Model of Undergraduate Loan Behavior

Author(s) -

Jinsong Luan

Publication year - 2021

Publication title -

mobile information systems

Language(s) - English

Resource type - Journals

SCImago Journal Rank - 0.346

H-Index - 34

eISSN - 1875-905X

pISSN - 1574-017X

DOI - 10.1155/2021/9910442

Subject(s) - loan , frame (networking) , computer science , entertainment , artificial neural network , artificial intelligence , machine learning , finance , business , telecommunications , visual arts , art

&e article uses virtual lending scenarios to study the influence of attribute frame effect on undergraduates’ loan decisions. &e results show that undergraduates have attribute frame effects in the three major areas of electronic products, life entertainment, and learning and training.&ere is a significant difference between the positive frame and the negative frame; that is, they are more inclined to make loan decisions under the positive frame. According to the research results, the article designs a loan risk assessment model based on Kohonen neural network and conducts simulation experiments. &e experimental results show that the model’ classification accuracy is 72.65%.

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