A multiple intelligent agent system for credit risk prediction via an optimization of localized generalization error with diversity

Company bankruptcies cost billions of dollars in losses to banks each year. Thus credit risk prediction is a critical part of a bank＇s loan approval decision process. Traditional financial models for credit risk prediction are no longer adequate for describing today＇s complex relationship between the financial health and potential bankruptcy of a company. In this work, a multiple classifier system （embedded in a multiple intelligent agent system） is proposed to predict the financial health of a company. In our model, each individual agent （classifier） makes a prediction on the likelihood of credit risk based on only partial information of the company. Each of the agents is an expert, but has limited knowledge （represented by features） about the company. The decisions of all agents are combined together to form a final credit risk prediction. Experiments show that our model out-performs other existing methods using the benchmarking Compustat American Corporations dataset.     

Recent Advances in the Development of Polymer-supported Phosphines

1 Introduction Recent years have seen a growing use of polymer-supported reagents by organic chemists in traditional solution-phase synthesis.Of the many reagents supported by polymers available, variations of triphenylphosphine are among the most broadly used. This is because triphenylphosphine is not only a reagent in a wide range of organic reactions~([1]), but it also serves as a ligand in many organometallic reagents~([2]).Most importantly, polymer-supported triphenylphosphine affords the…     

Generation and annotation of the DNA sequences of human chromosomes 2 and 4

Human chromosome 2 is unique to the human lineage in being the product of a head-to-head fusion of two intermediate-sized ancestral chromosomes. Chromosome 4 has received attention primarily related to the search for the Huntington's disease gene, but also for genes associated with Wolf-Hirschhorn syndrome, polycystic kidney disease and a form of muscular dystrophy. Here we present approximately 237 million base pairs of sequence for chromosome 2, and 186 million base pairs for chromosome 4, representing more than 99.6% of their euchromatic sequences. Our initial analyses have identified 1,346 protein-coding genes and 1,239 pseudogenes on chromosome 2, and 796 protein-coding genes and 778 pseudogenes on chromosome 4. Extensive analyses confirm the underlying construction of the sequence, and expand our understanding of the structure and evolution of mammalian chromosomes, including gene deserts, segmental duplications and highly variant regions.     

Insect behaviour: migratory bands give crickets protection

Mormon crickets and juvenile locusts form huge migratory bands--millions of individuals march in unison across the landscape and devastate vast agricultural areas, but little is known about why these bands form. Here we use radiotelemetry to show that band membership benefits these insects by greatly reducing the probability that they will become victims of predators. It is likely that migratory banding has evolved because it gives substantial protection to individuals within the group.