Results 111 to 120 of about 25,439 (153)
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2021
The main objective of this chapter is to propose a hybrid evolutionary feature selection approach for solving credit scoring problems subject to constraints. A hybrid scheme combining filter and wrapper-based approaches is proposed to develop an accurate credit scoring model with a high predictive performance.
Pantelis Z. Lappas +1 more
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The main objective of this chapter is to propose a hybrid evolutionary feature selection approach for solving credit scoring problems subject to constraints. A hybrid scheme combining filter and wrapper-based approaches is proposed to develop an accurate credit scoring model with a high predictive performance.
Pantelis Z. Lappas +1 more
openaire +1 more source
SSRN Electronic Journal, 2021
Credit scoring is central to people’s financial growth and prosperity or financial decline and stagnation. People with a good credit score and accompanying credit report can buy opportunities to advance economically. The benefits they reap from their attractiveness to lenders and employers helps feed their future success.
Foohey, Pamela, Greene, Sara Sternberg
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Credit scoring is central to people’s financial growth and prosperity or financial decline and stagnation. People with a good credit score and accompanying credit report can buy opportunities to advance economically. The benefits they reap from their attractiveness to lenders and employers helps feed their future success.
Foohey, Pamela, Greene, Sara Sternberg
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Anatomy of the credit score [PDF]
Journal of Economic Behavior & Organization, 2013 Abstract This paper addresses the question of what determines a poor credit score. We compare estimated credit scores with measures of impulsivity, time preference, risk attitude, and trustworthiness, in an effort to determine the preferences that underlie credit behavior.
Arya, Shweta +2 more
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2015
The concept of enterprise risk management (ERM) developed in the mid-1990s in industry, expressing a managerial focus. ERM is a systematic, integrated approach to managing all risks facing an organization.1 It has been encouraged by traumatic recent events such as 9/11/2001 and business scandals, including Enron and WorldCom.
Desheng Dash Wu, David L. Olson
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The concept of enterprise risk management (ERM) developed in the mid-1990s in industry, expressing a managerial focus. ERM is a systematic, integrated approach to managing all risks facing an organization.1 It has been encouraged by traumatic recent events such as 9/11/2001 and business scandals, including Enron and WorldCom.
Desheng Dash Wu, David L. Olson
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MODELING CREDIT RISK THROUGH CREDIT SCORING [PDF]
Internal Auditing and Risk Management, 2014 Credit risk governs all financial transactions and it is defined as the risk of suffering a loss due to certain shifts in the credit quality of a counterpart. Credit risk literature gravitates around two main modeling approaches: the structural approach and the reduced form approach.
Adrian Cantemir CALIN +1 more
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1988
For centuries, before there was such a tning as creditscoring, credit grantors used their personal judgement to make credit decisions. In 1941 the first article about creditscoring was published. In this article Durand asserted the possibility to predict which applicants were most likely to go bad by systematically studying the characteristics of ...
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For centuries, before there was such a tning as creditscoring, credit grantors used their personal judgement to make credit decisions. In 1941 the first article about creditscoring was published. In this article Durand asserted the possibility to predict which applicants were most likely to go bad by systematically studying the characteristics of ...
openaire +1 more source
2009
Nel momento in cui riceve una richiesta di finanziamento, la banca o l’intermediario finanziario deve valutare il rischio che il soggetto che richiede il credito non sia in grado di fare fronte agli impegni contrattuali. Sempre piu spesso nei moderni intermediari finanziari, per formulare il proprio giudizio, l’analista del credito si avvale di ...
openaire +1 more source
Nel momento in cui riceve una richiesta di finanziamento, la banca o l’intermediario finanziario deve valutare il rischio che il soggetto che richiede il credito non sia in grado di fare fronte agli impegni contrattuali. Sempre piu spesso nei moderni intermediari finanziari, per formulare il proprio giudizio, l’analista del credito si avvale di ...
openaire +1 more source
Integrative oncology: Addressing the global challenges of cancer prevention and treatment
Ca-A Cancer Journal for Clinicians, 2022Jun J Mao,, Msce +2 more
exaly