Hybrid Quantum-Classical Neural Networks for Few-Shot Credit Risk Assessment

Quantum Machine Learning (QML) offers a new paradigm for addressing complex financial problems intractable for classical methods. This work specifically tackles the challenge of few-shot credit risk assessment, a critical issue in inclusive finance where data scarcity and imbalance limit the effectiveness of conventional models. To address this, we design and implement a novel hybrid quantum-classical workflow. The methodology first employs an ensemble of classical machine learning models (Logistic Regression, Random Forest, XGBoost) for intelligent feature engineering and dimensionality reduction. Subsequently, a Quantum Neural Network (QNN), trained via the parameter-shift rule, serves as the core classifier. This framework was evaluated through numerical simulations and deployed on the Quafu Quantum Cloud Platform's ScQ-P21 superconducting processor. On a real-world credit dataset of 279 samples, our QNN achieved a robust average AUC of 0.852 +/- 0.027 in simulations and yielded an impressive AUC of 0.88 in the hardware experiment. This performance surpasses a suite of classical benchmarks, with a particularly strong result on the recall metric. This study provides a pragmatic blueprint for applying quantum computing to data-constrained financial scenarios in the NISQ era and offers valuable empirical evidence supporting its potential in high-stakes applications like inclusive finance.

Brain Tumor Segmentation Based on Refined Fully Convolutional Neural Networks with A Hierarchical Dice Loss

As a basic task in computer vision, semantic segmentation can provide fundamental information for object detection and instance segmentation to help the artificial intelligence better understand real world. Since the proposal of fully convolutional neural network (FCNN), it has been widely used in semantic segmentation because of its high accuracy of pixel-wise classification as well as high precision of localization. In this paper, we apply several famous FCNN to brain tumor segmentation, making comparisons and adjusting network architectures to achieve better performance measured by metrics such as precision, recall, mean of intersection of union (mIoU) and dice score coefficient (DSC). The adjustments to the classic FCNN include adding more connections between convolutional layers, enlarging decoders after up sample layers and changing the way shallower layers' information is reused. Besides the structure modification, we also propose a new classifier with a hierarchical dice loss. Inspired by the containing relationship between classes, the loss function converts multiple classification to multiple binary classification in order to counteract the negative effect caused by imbalance data set. Massive experiments have been done on the training set and testing set in order to assess our refined fully convolutional neural networks and new types of loss function. Competitive figures prove they are more effective than their predecessors.

An Automatic Diagnosis Method of Facial Acne Vulgaris Based on Convolutional Neural Network

In this paper, we present a new automatic diagnosis method of facial acne vulgaris based on convolutional neural network. This method is proposed to overcome the shortcoming of classification types in previous methods. The core of our method is to extract features of images based on convolutional neural network and achieve classification by classifier. We design a binary classifier of skin-and-non-skin to detect skin area and a seven-classifier to achieve the classification of facial acne vulgaris and healthy skin. In the experiment, we compared the effectiveness of our convolutional neural network and the pre-trained VGG16 neural network on the ImageNet dataset. And we use the ROC curve and normal confusion matrix to evaluate the performance of the binary classifier and the seven-classifier. The results of our experiment show that the pre-trained VGG16 neural network is more effective in extracting image features. The classifiers based on the pre-trained VGG16 neural network achieve the skin detection and acne classification and have good robustness.