JISE


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Journal of Information Science and Engineering, Vol. 40 No. 4, pp. 763-779


The Risk Analysis of Digital Inclusive Financial Platform Using Deep Learning Approach


WEI SHI1,3, SI-QI LONG1,3 AND YUE LI2,3,+
1Guangxi Banking School
Nanning, 530007 P.R. China

2School of Business and Economics
Universiti Putra Malaysia
Selangor, 43400 Malaysia

3Guangxi Financial Vocational College
Nanning, 530007 P.R. China


This paper intends to investigate the risk management of inclusive digital financial platforms. First, it explains the idea of smart cities, their function, and inclusive financial risk control technologies based on big data. The varieties of digital inclusive financial plat-forms and their risk profiles are next examined. The Back Propagation (BP) neural network is used to build a BP-KMV model based on the KMV model. Finally, utilizing M Company as a case study, this paper uses the BP-KMV model to examine the credit risk and risk management of unlisted enterprises on the digital inclusive financial platform. The results show that of the four unlisted companies, L Company has the greatest default rate (7.35%), while J Company has the lowest default rate (4.82%). The highest research and develop-ment (R&D) spending rate is 14.1% for J company, while the highest patent ownership rate is 43.09% for L company. The data demonstrates a negative correlation between the percentage of R&D expenditures and the default rate of unlisted enterprises. In other words, a larger default risk is associated with lower R&D expense rates. Additionally, there is a correlation between patent ownership and default rates that is positive, suggesting that higher patent ownership rates are linked to higher default rates. Additionally, the risk man-agement technologies of M business can complement one another. The theoretical research of comprehensive digital inclusive finance risk control can be enriched by the risk analysis of digital inclusive financial platforms utilizing the BP-KMV model in the context of smart cities.


Keywords: smart city, BP neural network, digital inclusive finance, financial risk control, KMV model

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