arXiv subjects

Tongyao Wang

Publications and source records attributed to Tongyao Wang.

5 recordsLinked to original sources

arXiv2026

A Unified Framework for Modeling Heterogeneous Financial Data via Dual-Granularity Prompting

Recent industrial credit scoring models remain heavily reliant on manually tuned statistical learning methods. Despite their potential, deep learning architectures have struggled to consistently outperform traditional statistical models in industrial credit scoring, largely due to the complexity of heterogeneous financial data and the challenge of modeling evolving creditworthiness. To bridge this gap, we introduce FinLangNet, a novel framework that reformulates credit scoring as a multi-scale sequential learning problem. FinLangNet processes heterogeneous financial data through a dual-module architecture that combines tabular feature extraction with temporal sequence modeling, generating probability distributions of users' future financial behaviors across multiple time horizons. A key innovation is our dual-prompt mechanism within the sequential module, which introduces learnable prompts operating at both feature-level granularity for capturing fine-grained temporal patterns and user-level granularity for aggregating holistic risk profiles. Notably, real world deployment yielded a 6.3 pp improvement in KS, along with a 9.9\% reduction in bad debt rate.

cs.CE↗

arXiv2026

A Unified Framework for Multimodal Image Reconstruction and Synthesis using Denoising Diffusion Models

Image reconstruction and image synthesis are important for handling incomplete multimodal imaging data, but existing methods require various task-specific models, complicating training and deployment workflows. We introduce Any2all, a unified framework that addresses this limitation by formulating these disparate tasks as a single virtual inpainting problem. We train a single, unconditional diffusion model on the complete multimodal data stack. This model is then adapted at inference time to ``inpaint'' all target modalities from any combination of inputs of available clean images or noisy measurements. We validated Any2all on a PET/MR/CT brain dataset. Our results show that Any2all can achieve excellent performance on both multimodal reconstruction and synthesis tasks, consistently yielding images with competitive distortion-based performance and superior perceptual quality over specialized methods.

eess.IV↗

arXiv2025

ZiGong 1.0: A Large Language Model for Financial Credit

Large Language Models (LLMs) have demonstrated strong performance across various general Natural Language Processing (NLP) tasks. However, their effectiveness in financial credit assessment applications remains suboptimal, primarily due to the specialized financial expertise required for these tasks. To address this limitation, we propose ZiGong, a Mistral-based model enhanced through multi-task supervised fine-tuning. To specifically combat model hallucination in financial contexts, we introduce a novel data pruning methodology. Our approach utilizes a proxy model to score training samples, subsequently combining filtered data with original datasets for model training. This data refinement strategy effectively reduces hallucinations in LLMs while maintaining reliability in downstream financial applications. Experimental results show our method significantly enhances model robustness and prediction accuracy in real-world financial scenarios.

cs.CL↗

arXiv2024

SPICER: Self-Supervised Learning for MRI with Automatic Coil Sensitivity Estimation and Reconstruction

Deep model-based architectures (DMBAs) integrating physical measurement models and learned image regularizers are widely used in parallel magnetic resonance imaging (PMRI). Traditional DMBAs for PMRI rely on pre-estimated coil sensitivity maps (CSMs) as a component of the measurement model. However, estimation of accurate CSMs is a challenging problem when measurements are highly undersampled. Additionally, traditional training of DMBAs requires high-quality groundtruth images, limiting their use in applications where groundtruth is difficult to obtain. This paper addresses these issues by presenting SPICE as a new method that integrates self-supervised learning and automatic coil sensitivity estimation. Instead of using pre-estimated CSMs, SPICE simultaneously reconstructs accurate MR images and estimates high-quality CSMs. SPICE also enables learning from undersampled noisy measurements without any groundtruth. We validate SPICE on experimentally collected data, showing that it can achieve state-of-the-art performance in highly accelerated data acquisition settings (up to 10x).

eess.IV↗

arXiv2022

Self-Supervised Deep Equilibrium Models for Inverse Problems with Theoretical Guarantees

Deep equilibrium models (DEQ) have emerged as a powerful alternative to deep unfolding (DU) for image reconstruction. DEQ models-implicit neural networks with effectively infinite number of layers-were shown to achieve state-of-the-art image reconstruction without the memory complexity associated with DU. While the performance of DEQ has been widely investigated, the existing work has primarily focused on the settings where groundtruth data is available for training. We present self-supervised deep equilibrium model (SelfDEQ) as the first self-supervised reconstruction framework for training model-based implicit networks from undersampled and noisy MRI measurements. Our theoretical results show that SelfDEQ can compensate for unbalanced sampling across multiple acquisitions and match the performance of fully supervised DEQ. Our numerical results on in-vivo MRI data show that SelfDEQ leads to state-of-the-art performance using only undersampled and noisy training data.

eess.IV↗