[Retracted] A Dynamic Prediction Model of Financial Distress in the Financial Sharing Environment

Table 3

Evaluation and prediction performance of different evaluation models.

Year	2018			2019			2020
Evaluation criterion	Acc	AUC	KS	Acc	AUC	KS	Acc	AUC	KS
Traditional neural network	68.74%	0.7582	0.3684	68.47%	0.7286	0.3712	72.82%	0.7485	0.4385
Decision tree	70.58%	0.4253	0.4275	76.24%	0.5425	0.5347	71.38%	0.4752	0.4527
SVM	75.81%	0.5273	0.5724	79.75%	0.6273	0.5372	72.47%	0.5347	0.4627
Logistic regression	67.34%	0.4725	0.3752	69.35%	0.4572	0.3827	64.28%	0.4275	0.2684
Proposed model	82.14%	0.4014	0.3544	86.52%	0.3945	0.3477	82.97%	0.4149	0.2787