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Credit risk refers to the possibility of borrower default, and its assessment is crucial for maintaining financial stability. However, the journey of credit risk data generation is often gradual, and machine learning techniques may not be readily applicable for crafting evaluations at the initial stage of the data accumulation process. This article proposes a credit risk modeling methodology, TED-NN, that first constructs an indicator system based on expert experience, assigns initial weights to the indicator system using the Analytic Hierarchy Process, and then constructs a neural network model based on the indicator system to achieve a smooth transition from an empirical model to a data-driven model. TED-NN can automatically adapt to the gradual accumulation of data, which effectively solves the problem of risk modeling and the smooth transition from no to sufficient data. The effectiveness of this methodology is validated through a specific case of credit risk assessment. Experimental results on a real-world dataset demonstrate that, in the absence of data, the performance of TED-NN is equivalent to the AHP and better than untrained neural networks. As the amount of data increases, TED-NN gradually improves and then surpasses the AHP. When there are sufficient data, its performance approaches that of a fully data-driven neural network model. [ABSTRACT FROM AUTHOR]

Currently, direct surveys are used less and less to assess satisfaction with the quality of user services. One of the most effective methods to solve this problem is to extract user attitudes from social media texts using natural language text mining. This approach helps to obtain more objective results by increasing the representativeness and independence of the sample of service consumers being studied. The purpose of this article is to improve existing methods and test a method for classifying Russian-language text reviews of patients about the work of medical institutions and doctors, extracted from social media resources. The authors developed a hybrid method for classifying text reviews about the work of medical institutions and tested machine learning methods using various neural network architectures (GRU, LSTM, CNN) to achieve this goal. More than 60,000 reviews posted by patients on the two most popular doctor review sites in Russia were analysed. Main results: (1) the developed classification algorithm is highly efficient—the best result was shown by the GRU-based architecture (val_accuracy = 0.9271); (2) the application of the method of searching for named entities to text messages after their division made it possible to increase the classification efficiency for each of the classifiers based on the use of artificial neural networks. This study has scientific novelty and practical significance in the field of social and demographic research. To improve the quality of classification, in the future, it is planned to expand the semantic division of the review by object of appeal and sentiment and take into account the resulting fragments separately from each other. [ABSTRACT FROM AUTHOR]