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Due to the powerful learning ability on high-rank and non-linear features, deep neural networks (DNNs) are being applied to data mining and machine learning in various fields, and exhibit higher discrimination performance than conventional methods. However, the applications based on DNNs are rare in enterprise credit rating tasks because most of DNNs employ the "end-to-end" learning paradigm, which outputs the high-rank representations of objects and predictive results without any explanations. Thus, users in the financial industry cannot understand how these high-rank representations are generated, what do they mean and what relations exist with the raw inputs. Then users cannot determine whether the predictions provided by DNNs are reliable, and not trust the predictions providing by such "black box" models. Therefore, in this paper, we propose a novel network to explicitly model the enterprise credit rating problem using DNNs and attention mechanisms. The proposed model realizes explainable enterprise credit ratings. Experimental results obtained on real-world enterprise datasets verify that the proposed approach achieves higher performance than conventional methods, and provides insights into individual rating results and the reliability of model training.

Convolution neural networks have achieved remarkable performance in many tasks of computing vision. However, CNN tends to bias to low frequency components. They prioritize capturing low frequency patterns which lead them fail when suffering from application scenario transformation. While adversarial example implies the model is very sensitive to high frequency perturbations. In this paper, we introduce a new regularization method by constraining the frequency spectra of the filter of the model. Different from band-limit training, our method considers the valid frequency range probably entangles in different layers rather than continuous and trains the valid frequency range end-to-end by backpropagation. We demonstrate the effectiveness of our regularization by (1) defensing to adversarial perturbations; (2) reducing the generalization gap in different architecture; (3) improving the generalization ability in transfer learning scenario without fine-tune.