论文标题
从文本数据中的下一年破产预测：基准和基准
Next-Year Bankruptcy Prediction from Textual Data: Benchmark and Baselines
论文作者
论文摘要
破产预测的模型在几种现实世界中很有用，并且基于结构化（数值）以及非结构化（文本）数据，已经为任务提供了多个研究贡献。但是，缺乏常见的基准数据集和评估策略阻碍了模型之间的客观比较。本文基于新颖和已建立的数据集介绍了非结构化数据方案的基准，以刺激对任务的进一步研究。我们描述和评估几种经典和神经基线模型，并讨论不同策略的好处和缺陷。特别是，我们发现，基于静态内域字表示的轻巧的单词袋模型可获得令人惊讶的良好结果，尤其是在考虑几年中的文本数据时。这些结果经过严格评估，并根据数据的特定方面和任务进行了讨论。复制数据的所有代码，将发布实验结果。
Models for bankruptcy prediction are useful in several real-world scenarios, and multiple research contributions have been devoted to the task, based on structured (numerical) as well as unstructured (textual) data. However, the lack of a common benchmark dataset and evaluation strategy impedes the objective comparison between models. This paper introduces such a benchmark for the unstructured data scenario, based on novel and established datasets, in order to stimulate further research into the task. We describe and evaluate several classical and neural baseline models, and discuss benefits and flaws of different strategies. In particular, we find that a lightweight bag-of-words model based on static in-domain word representations obtains surprisingly good results, especially when taking textual data from several years into account. These results are critically assessed, and discussed in light of particular aspects of the data and the task. All code to replicate the data and experimental results will be released.
