WIGNN: An adaptive graph-structured reasoning model for credit default prediction

Zhipeng Yan, Hanwen Qu, Chen Chen, Xiaoyi Lv, Enguang Zuo, Kui Wang, Xulun Cai

Abstract: Highlights•Proposed an adaptive graph framework for credit default prediction.•Uses differential weights and graph balancing for complex data.•Outperforms traditional methods, mitigating class imbalance.