arXiv:2412.03158quant-phcs.LG2024-12中稿 · QCE 2025被引 26

用量子神经网络预测贷款资格,准确率达98%。

LEP-QNN: Loan Eligibility Prediction using Quantum Neural Networks

  • 将量子神经网络与丢弃机制结合,减少过拟合。
  • 在单一数据集上实现98%的贷款资格预测准确率。
  • 适合对量子机器学习在金融领域应用感兴趣的读者。

在金融领域,高精度预测贷款资格仍是一项重大挑战。准确的预测有助于金融机构做出明智决策,降低风险,并有效调整服务以满足客户需求。然而,金融数据的复杂性和高维特性始终制约着精度的提升。为此,本文提出一种基于量子机器学习(QML)的新型贷款资格预测方法——量子神经网络(LEP-QNN)。该方法在单一综合数据集上实现了98%的预测准确率。性能提升得益于量子电路中引入的丢弃机制,有效缓解过拟合,增强模型预测可靠性。此外,通过对比多种优化器,确定了最优配置,进一步提升了模型表现。我们还系统评估了LEP-QNN在不同量子噪声条件下的鲁棒性,验证其在量子计算环境中的可靠性。本研究展示了量子机器学习在金融预测中的潜力,为推进量子驱动的金融决策技术提供了基础指引。

原文摘要 · Abstract (English)

Predicting loan eligibility with high accuracy remains a significant challenge in the finance sector. Accurate predictions enable financial institutions to make informed decisions, mitigate risks, and effectively adapt services to meet customer needs. However, the complexity and the high-dimensional nature of financial data have always posed significant challenges to achieving this level of precision. To overcome these issues, we propose a novel approach that employs Quantum Machine Learning (QML) for Loan Eligibility Prediction using Quantum Neural Networks (LEP-QNN). Our innovative approach achieves an accuracy of 98% in predicting loan eligibility from a single, comprehensive dataset. This performance boost is attributed to the strategic implementation of a dropout mechanism within the quantum circuit, aimed at minimizing overfitting and thereby improving the model's predictive reliability. In addition, our exploration of various optimizers leads to identifying the most efficient setup for our LEP-QNN framework, optimizing its performance. We also rigorously evaluate the resilience of LEP-QNN under different quantum noise scenarios, ensuring its robustness and dependability for quantum computing environments. This research showcases the potential of QML in financial predictions and establishes a foundational guide for advancing QML technologies, marking a step towards developing advanced, quantum-driven financial decision-making tools.

量子机器学习贷款预测神经网络

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