Knowledge graph-based fraud detection for small and micro enterprise loans

While major commercial banks have been providing various business loans,the risk of loan fraud has arisen at the same time.In order to overcome this challenge,an anti-fraud model was proposed based on the full-scale enterprise portrait and enterprise relation graph.By integrating multi-source information to form a concrete enterprise profile,and quantifying the interactions among enterprise entities,the fraud risk of new SMEs’loan applications could be quantitatively evaluated.Experiments show that compared with purely considering enterprise’s attributes,the additional use of relational information contributes a 5% increase in the AUC of the test set,which is more helpful for banking institutions to accurately assess the corporate fraud risk.