Lv, Jiazhen. “Effectiveness Evaluation of Big Data Risk Control Models in Consumer Credit: A Comparative Study of Default Prediction Based on XGBoost Algorithm”. Journal of Innovation and Development 12, no. 2 (August 13, 2025): 101–108. Accessed April 30, 2026. https://drpress.org/ojs/index.php/jid/article/view/31515.