Consumer loans, i.e., loans to finance consumers to buy certain types of expenditures, is increasingly popular in e-commerce platform. Different from traditional loans with mortgage, online consumer loans only take personal credit as collateral for loans. Consequently, loan fraud detection is particularly critical for lenders to avoid economic loss. Previous methods mainly leverage applicant's attributes and historical behavior for loan fraud detection. Although these methods gain success at detecting potential charge-offs, yet they perform worse when multiple persons with various roles (e.g., sellers, intermediaries) collude to apply fraudulent loan. To combat this challenge, we consider the problem of loan fraud detection via exploiting roles of users and multi-type social relationships among users. We propose a novel Graph neural network with a Role-constrained Conditional random field, namely GRC, to learn the representation of applicants and detect loan fraud based on the learned representation. The proposed model characterizes the multiple types of relationships via self-attention mechanism and employs conditional random field to constrain users with the same role to have similar representation. We validate the proposed model through experiments in large-scale auto-loan scenario. Extensive experiments demonstrate that our model achieves state-of-the-art results in loan fraud detection on Alipay, one online credit payment service serving more than 450 million users in China.

Community detection is essential to analyzing and exploring natural networks such as social networks, biological networks, and citation networks. However, few methods could be used as off-the-shelf tools to detect communities in real world networks for two reasons. On the one hand, most existing methods for community detection cannot handle massive networks that contain millions or even hundreds of millions of nodes. On the other hand, communities in real world networks are generally highly overlapped, requiring that community detection method could capture the mixed community membership. In this paper, we aim to offer an off-the-shelf method to detect overlapping communities in massive real world networks. For this purpose, we take the widely-used Poisson model for overlapping community detection as starting point and design two speedup strategies to achieve high efficiency. Extensive tests on synthetic and large scale real networks demonstrate that the proposed strategies speedup the community detection method based on Poisson model by 1 to 2 orders of magnitudes, while achieving comparable accuracy at community detection.

Community detection or graph clustering is crucial to understanding the structure of complex networks and extracting relevant knowledge from networked data. Latent factor model, e.g., non-negative matrix factorization and mixed membership block model, is one of the most successful methods for community detection. Latent factor models for community detection aim to find a distributed and generally low-dimensional representation, or coding, that captures the structural regularity of network and reflects the community membership of nodes. Existing latent factor models are mainly based on reconstructing a network from the representation of its nodes, namely network decoder, while constraining the representation to have certain desirable properties. These methods, however, lack an encoder that transforms nodes into their representation. Consequently, they fail to give a clear explanation about the meaning of a community and suffer from undesired computational problems. In this paper, we propose a non-negative symmetric encoder-decoder approach for community detection. By explicitly integrating a decoder and an encoder into a unified loss function, the proposed approach achieves better performance over state-of-the-art latent factor models for community detection task. Moreover, different from existing methods that explicitly impose the sparsity constraint on the representation of nodes, the proposed approach implicitly achieves the sparsity of node representation through its symmetric and non-negative properties, making the optimization much easier than competing methods based on sparse matrix factorization.