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Credit scoring for individuals [PDF]
ECONOMIA seria MANAGEMENT / ECONOMY - MANAGEMENT series, 2010 Lending money to different borrowers is profitable, but risky. The profits come from the interest rate and the fees earned on the loans. Banks do not want to make loans to borrowers who cannot repay them. Even if the banks do not intend to make bad loans, over time, some of them can become bad.
Maria DIMITRIU +2 more
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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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Support vector machines for credit scoring and discovery of significant features [PDF]
Expert Systems With Applications, 2009 The assessment of risk of default on credit is important for financial institutions. Logistic regression and discriminant analysis are techniques traditionally used in credit scoring for determining likelihood to default based on consumer application and
Tony Bellotti, Jonathan Crook
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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
2021 5th International Conference on Computer, Communication and Signal Processing (ICCCSP), 2021
Many countries have an online platform to share money such as g pay, paytm and phone pay, etc. Many websites used to help the people in many ways like ordering food online, shopping, etcc.. In this platform we are giving rating to the person who is delivering. Likewise we are giving credit score to the person who is doing unusual activities in a public
S. V. Juno Bella Gracia +3 more
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Many countries have an online platform to share money such as g pay, paytm and phone pay, etc. Many websites used to help the people in many ways like ordering food online, shopping, etcc.. In this platform we are giving rating to the person who is delivering. Likewise we are giving credit score to the person who is doing unusual activities in a public
S. V. Juno Bella Gracia +3 more
openaire +1 more source
Subagging for credit scoring models
European Journal of Operational Research, 2010The logistic regression framework has been for long time the most used statistical method when assessing customer credit risk. Recently, a more pragmatic approach has been adopted, where the first issue is credit risk prediction, instead of explanation. In this context, several classification techniques have been shown to perform well on credit scoring,
Giuseppe Paleologo +2 more
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Credit scoring for microfinance: is it worth it?
International Journal of Finance & Economics, 2011ABSTRACTDue to growing competition, over‐indebtedness, and economic crises, microfinance institutions have to pursue their social and financial objectives in an increasingly constrained environment. Developing powerful risk management tools becomes more than ever crucial to survive.
Van Gool, Joris +3 more
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A statistical model for credit scoring [PDF]
, 2008 © Cambridge University Press 2008.Acknowledgements: I am grateful to Terry Seaks for valuable comments on an earlier draft of this paper and to Jingbin Cao for his able research assistance. The provider of the data and support for this project has requested anonymity, so I must thank them as such.
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Credit Scoring and Its Applications
2002Tremendous growth in the credit industry has spurred the need for Credit Scoring and Its Applications, the only book that details the mathematical models that help creditors make intelligent credit risk decisions. Creditors of all types make risk decisions every day, often haphazardly.
Thomas, Lyn C. +2 more
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