id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fbem-1515	Hong, Zhaoyang; Deng, Wenxuan; Gong, Xiuyu	Prediction of Car Loan Default Results Based on Multi Model Fusion	2022	8	.pdf	application/pdf	4456	234	59	Therefore, in this paper, by collecting the data profile of more than 10 thousand car loan borrowers and fitting the fusion model of 4 methods: logistic model, decision model, Random Forest, and KNN model to the data, the author examines the behavioral data of borrowers to predict whether the borrowers will default in the future and find the best threshold to reach the lowest cost. Specific Data Processing: Discretization: As decision tree models tend to behave better on categorical data, we examined some numerical data.	cache/fbem-1515.pdf	txt/fbem-1515.txt