An Intelligent Decision Framework for Loan Allocation Schemes.

With the constant development of economy, how to reasonably allocate limited loans to enterprises has been an interesting issue. As a result, adaptive decision for optimal loan allocation schemes is well worth investigating. Although some researchers had utilized machine learning-based techniques to deal with such issue, they cannot handle well the scenarios where total capital amount is limited. To bridge such gap, this paper proposes an intelligent decision framework for loan allocation schemes in complex social systems. First of all, the expressions about profit and risk of the bank side are deduced, separately. On this basis, the dynamic planning approach is adopted to formulate a set of optimization model. Specifically, such model is established from two aspects: profit maximization and risk minimization. Hence, two groups of decision results can be reached from two different perspectives by searching optimal solution of the planning model. This work also gives a case study on a real-world dataset to present process of the planning model. Thus, two referential results are provided with use of optimization solution tool. [ABSTRACT FROM AUTHOR]