**6. Conclusions**

Under uncertain environments, a mass of inconsistent information appears. Neutrosophic soft sets are powerful tools to address these issues involving inconsistent information. Considering this, we develop a generalized stochastic multi-criteria group decision making framework under neutrosophic soft sets, by innovatively integrating the prospect theory and neutrosophic soft sets into our framework. This paper describes the reference point, the psychological expectations of decision makers, in the form of neutrosophic sets. Then, in addition, this study demonstrates how to compute the alternative prospect values as the reference for decision making.

We conduct experiments to test the feasibility and validity of our decision making framework. The main contributions of this paper are fourfold. Firstly, we construct a new algorithm for the stochastic multi-criteria group decision making based on neutrosophic soft sets, which can analyze inconsistent information in decision making effectively. Secondly, the weights of decision makers and parameter subjective weights are both expressed in the form of neutrosophic numbers. Compared with the way directly given determinate values in existing methods [25] (p. 2), the proposed method can embody the stochastic into decision making processes. Thirdly, the research successfully combines the prospect theory with neutrosophic softs sets to construct the stochastic multi-criteria group decision making algorithm. Compared with the existing literatures based on the expected utility theory [16,17,25,26] (pp. 1-2), this research considers the influence of psychological expectations on decision results. Finally, we explore the conflict degree measure of neutrosophic numbers and two aggregation rules of neutrosophic soft sets, and further define the measure of the modified conflict degree to accommodate the multi-criteria group decision making.

The proposed method is not only suitable for credit scoring, but also for decision-making problems in other fields, especially for decisions with inconsistent information. As a suggestion for future researches, we shall integrate more advanced decision theories into neutrosophic soft sets and address stochastic multi-criteria group decision making issues.

**Author Contributions:** Funding acquisition, Y.D.; Methodology, Y.D. and C.H.; Validation, Y.D. and C.H.; Writing—original draft, Y.D. and C.H.; Writing—review and editing, C.H., Y.P., and K.G.

**Funding:** This research was funded by the National Natural Science Foundation of China (Grant Nos. 71701116 and 71871034); Humanities and Social Science Fund of Ministry of Education of China (Grant No. 15YJC630016); Science and Technology Innovation Program in Higher Education Institutions of Shanxi Province ("Research on multi-level dynamic credit evaluation under conflict data") and Education Innovation Program for Postgraduate of Shanxi Province ("Research on Multi-level Dynamic Credit Evaluation of Personal Consumption Credit under Internet Conflict Data").

**Acknowledgments:** The authors gratefully acknowledge the editor of the Journal and anonymous reviewers for the detailed and valuable comments.

**Conflicts of Interest:** The authors declare no conflict of interest.
