Credit risk assessment of small and micro enterprise based on machine learning.

Small and micro enterprises are pivotal in national economic and social development. To foster their growth, managing their credit risks scientifically is crucial. This study starts by examining the credit information of these enterprises. We use imbalanced sample processing algorithms to ensure a balanced representation of minority-class samples. Then, a machine learning classifier is employed to identify key factors contributing to these enterprises' low credibility. Based on these factors, an XGBoost scoring card model is developed. The study reveals: firstly, the integration of the SMOTE algorithm with the XGBoost model exhibits certain performance advantages in handling imbalanced datasets; secondly, trustworthy financial information remains at the heart of crucial risk determinants; thirdly, the XGBoost scoring card model based on significant features effectively enhances the accuracy of credit risk assessment. These insights provide both theoretical references and practical tools for enhancing the robustness of small and micro enterprises, facilitating early warnings on credit risks, and refining financing efficiency.

Combined Nano-Vector Mediated-Transfer to Suppress HIV-1 Infection with Targeted Antibodies in-vitro.

Introduction: Broadly neutralizing antibodies (bNAbs) have the ability to neutralize a considerable breadth of genetically diverse human immunodeficiency virus (HIV) strains. Passive immunization can potentially provide protection against HIV infection in animal models. However, the direct antibody infusion effect is limited due to the short half-life and deficient immunogenicity of the antibody. As an alternative strategy, we propose the use of nano viral vectors, specifically the adeno-associated virus (AAV), to continuously and systematically produce bNAbs against HIV. Methods: Plasmids expressing bNAbs PG9, PG16, 10E8, and NIH45-46 antibodies were constructed, targeting three different epitopes of HIV. Additionally, the bNAbs gene mediated by rAAV8 was administered to generate long-term expression with a single injection. We established both single and combined immunization groups. The neutralizing activity of antibodies expressed in mice sera was subsequently evaluated. Results: The expression of bNAbs in BALB/c mice can last for >24 weeks after a single intramuscular injection of rAAV8. Further studies show that neutralization of the HIV pseudovirus by sera from co-immunized mice with rAAV8 expressing 10E8 and PG16 was enhanced compared with mice immunized with 10E8 or PG16 alone. Conclusion: The prolonged expression of neutralizing antibodies can be maintained over long periods in BALB/c mice. This combined immunization is a promising candidate strategy for HIV treatment.