Exploring financially constrained small- and medium-sized enterprises based on a multi-relation translational graph attention network

Abstract

Financing needs exploration (FNE), which explores financially constrained small- and medium-sized enterprises (SMEs), has become increasingly important in industry for financial institutions to facilitate SMEs’ development. In this paper, we first perform an insightful exploratory analysis to exploit the transfer phenomenon of financing needs among SMEs, which motivates us to fully exploit the multi-relation enterprise social network for boosting the effectiveness of FNE. The main challenge lies in modeling two kinds of heterogeneity, i.e., transfer heterogeneity and SMEs’ behavior heterogeneity, under different relation types simultaneously. To address these challenges, we propose a graph neural network named Multi-relation tRanslatIonal GrapH aTtention network (M-RIGHT), which not only models the transfer heterogeneity of financing needs along different relation types based on a novel entity—relation composition operator but also enables heterogeneous SMEs’ representations based on a translation mechanism on relational hyperplanes to distinguish SMEs’ heterogeneous behaviors under different relation types. Extensive experiments on two large-scale real-world datasets demonstrate M-RIGHT’s superiority over the state-of-the-art methods in the FNE task.

Keywords

Financing needs exploration / Graph representation learning / Transfer heterogeneity / Behavior heterogeneity

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2023 Zhejiang University Press