Results 11 to 20 of about 9,046,216 (386)
SHAP and LIME: An Evaluation of Discriminative Power in Credit Risk. [PDF]
Front Artif Intell, 2021 In credit risk estimation, the most important element is obtaining a probability of default as close as possible to the effective risk. This effort quickly prompted new, powerful algorithms that reach a far higher accuracy, but at the cost of losing ...
Gramegna A, Giudici P.
europepmc +2 more sources
Explainable AI in Credit Risk Management [PDF]
Social Science Research Network, 2021 Artificial Intelligence (AI) has created the single biggest technology revolution the world has ever seen. For the finance sector, it provides great opportunities to enhance customer experience, democratize financial services, ensure consumer protection ...
Branka Hadji Misheva +4 more
semanticscholar +1 more source
Journal of Risk and Financial Management, 2023 In recent years, after the global financial crisis, the issue of credit risk management has received increased attention from international regulators. Credit risk management frameworks are often not sufficiently integrated within the organization, there
Tribhuwan Kumar Bhatt +3 more
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Machine Learning for Enhanced Credit Risk Assessment: An Empirical Approach
Journal of Risk and Financial Management, 2023 Financial institutions and regulators increasingly rely on large-scale data analysis, particularly machine learning, for credit decisions. This paper assesses ten machine learning algorithms using a dataset of over 2.5 million observations from a ...
Nicolas Suhadolnik +2 more
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Machine learning-driven credit risk: a systemic review
Neural computing & applications (Print), 2022 Credit risk assessment is at the core of modern economies. Traditionally, it is measured by statistical methods and manual auditing. Recent advances in financial artificial intelligence stemmed from a new wave of machine learning (ML)-driven credit risk ...
Si Shi +4 more
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International Journal of Financial Studies, 2021 In banking and finance, credit risk is among the important topics because the process of issuing a loan requires a lot of attention to assessing the possibilities of getting the loaned money back.
David Mhlanga
semanticscholar +1 more source
Credit risk assessment mechanism of personal auto loan based on PSO-XGBoost Model
Complex & Intelligent Systems, 2022 As online P2P loans in automotive financing grows, there is a need to manage and control the credit risk of the personal auto loans. In this paper, the personal auto loans data sets on the Kaggle platform are used on a machine learning based credit risk ...
Congjun Rao, Ying Liu, Mark Goh
semanticscholar +1 more source
Impact of risk management strategies on the credit risk faced by commercial banks of Balochistan [PDF]
Financial Innovation, 2019 This study aims to identify risk management strategies undertaken by the commercial banks of Balochistan, Pakistan, to mitigate or eliminate credit risk.
Zia Ur Rehman +3 more
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Annals of Operations Research, 2021 Credit risk imposes itself as a significant barrier of agriculture 4.0 investments in the supply chain finance (SCF) especially for Small and Medium-sized Enterprises.
Amine Belhadi +4 more
semanticscholar +1 more source
A Hybrid XGBoost-MLP Model for Credit Risk Assessment on Digital Supply Chain Finance
Forecasting, 2022 Supply Chain Finance (SCF) has gradually taken on digital characteristics with the rapid development of electronic information technology. Business audit information has become more abundant and complex, which has increased the efficiency and increased ...
Yixuan Li, C. Stasinakis, Wee Meng Yeo
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