Papers by Wang Tongyao
A Unified Framework for Modeling Heterogeneous Financial Data via Dual-Granularity Prompting (2026.acl-industry)
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| Challenge: | Recent industrial credit scoring models rely heavily on manually tuned statistical learning methods due to the complexity of heterogeneous financial data and the challenge of modeling evolving creditworthiness. |
| Approach: | They propose a framework that reformulates credit scoring as a multi-scale sequential learning problem. |
| Outcome: | FinLangNet improves KS and bad debt rate by 6.3 pp in real world deployments. |