Relative Classification Accuracy: A Calibrated Metric for Identity Consistency in Fine-Grained K-pop Face Generation

Denoising Diffusion Probabilistic Models (DDPMs) have achieved remarkable success in high-fidelity image generation. However, evaluating their semantic controllability-specifically for fine-grained, single-domain tasks-remains challenging. Standard metrics like FID and Inception Score (IS) often fail to detect identity misalignment in such specialized contexts. In this work, we investigate Class-Conditional DDPMs for K-pop idol face generation (32x32), a domain characterized by high inter-class similarity. We propose a calibrated metric, Relative Classification Accuracy (RCA), which normalizes generative performance against an oracle classifier's baseline. Our evaluation reveals a critical trade-off: while the model achieves high visual quality (FID 8.93), it suffers from severe semantic mode collapse (RCA 0.27), particularly for visually ambiguous identities. We analyze these failure modes through confusion matrices and attribute them to resolution constraints and intra-gender ambiguity. Our framework provides a rigorous standard for verifying identity consistency in conditional generative models.

Relational Graph Modeling for Credit Default Prediction: Heterogeneous GNNs and Hybrid Ensemble Learning

Credit default risk arises from complex interactions among borrowers, financial institutions, and transaction-level behaviors. While strong tabular models remain highly competitive in credit scoring, they may fail to explicitly capture cross-entity dependencies embedded in multi-table financial histories. In this work, we construct a massive-scale heterogeneous graph containing over 31 million nodes and more than 50 million edges, integrating borrower attributes with granular transaction-level entities such as installment payments, POS cash balances, and credit card histories. We evaluate heterogeneous graph neural networks (GNNs), including heterogeneous GraphSAGE and a relation-aware attentive heterogeneous GNN, against strong tabular baselines. We find that standalone GNNs provide limited lift over a competitive gradient-boosted tree baseline, while a hybrid ensemble that augments tabular features with GNN-derived customer embeddings achieves the best overall performance, improving both ROC-AUC and PR-AUC. We further observe that contrastive pretraining can improve optimization stability but yields limited downstream gains under generic graph augmentations. Finally, we conduct structured explainability and fairness analyses to characterize how relational signals affect subgroup behavior and screening-oriented outcomes.