Personal credit scoring is a challenging issue. In recent years, research has shown that machine learning has satisfactory performance in credit scoring. Because of the advantages of feature combination and feature selection, decision trees can match credit data which have high dimension and a complex correlation. Decision trees tend to overfitting yet. eXtreme Gradient Boosting is an advanced gradient enhanced tree that overcomes its shortcomings by integrating tree models. The structure of the model is determined by hyperparameters, which is aimed at the time-consuming and laborious problem of manual tuning, and the optimization method is employed for tuning. As particle swarm optimization describes the particle state and its motion law as continuous real numbers, the hyperparameter applicable to eXtreme Gradient Boosting can find its optimal value in the continuous search space. However, classical particle swarm optimization tends to fall into local optima. To solve this problem, this paper proposes an eXtreme Gradient Boosting credit scoring model that is based on adaptive particle swarm optimization. The swarm split, which is based on the clustering idea and two kinds of learning strategies, is employed to guide the particles to improve the diversity of the subswarms, in order to prevent the algorithm from falling into a local optimum. In the experiment, several traditional machine learning algorithms and popular ensemble learning classifiers, as well as four hyperparameter optimization methods (grid search, random search, tree-structured Parzen estimator, and particle swarm optimization), are considered for comparison. Experiments were performed with four credit datasets and seven KEEL benchmark datasets over five popular evaluation measures: accuracy, error rate (type I error and type II error), Brier score, and score. Results demonstrate that the proposed model outperforms other models on average. Moreover, adaptive particle swarm optimization performs better than the other hyperparameter optimization strategies.

In ocean engineering, an underwater vehicle is widely used as an important equipment to explore the ocean. However, due to the reflection and attenuation of light when propagating in water, the images captured by the visual system of an underwater vehicle in the complex underwater environment usually suffer from low visibility, blurred details, and color distortion. To solve this problem, in this article, we present an underwater image enhancement framework based on transfer learning, which consists of a domain transformation module and an image enhancement module. The two modules, respectively, perform color correction and image enhancement, effectively transferring in-air image dehazing to underwater image enhancement. To maintain the physical properties of an underwater image, we embed the physical model into the domain transformation module which ensures that the transformed image complies with the physical model. To effectively remove the color deviation, a coarse-grained similarity calculation is added to the domain transformation module to improve the model performance. The experimental results on real-world underwater images of different scenes show that the presented method is superior to some advanced underwater image enhancement algorithms both qualitatively and quantitatively. Furthermore, we conduct ablation experiments to indicate the contribution of each component and further validate the effectiveness of the presented method through application tests.