Loan Credit Prediction Using Deep Learning Approach

Credit risk is a matter of great concern to banks and the government, especially after the COVID-19 epidemic and economic recession that led to bad debts. The problem of forecasting lending capacity was born to partially limit the rise in bad debt. The desired result of the problem is to decide whether to lend for each loan application. This study proposes the use of deep learning models to solve this problem. The experimental results on the Home Credit Default Risk dataset show that the LSTM model provides the highest accuracy.