Results 21 to 30 of about 25,439 (153)
Credit Risk Assessment Model Based Using Principal component Analysis And Artificial Neural Network
MATEC Web of Conferences, 2016 Credit risk assessment for bank customers has gained increasing attention in recent years. Several models for credit scoring have been proposed in the literature for this purpose.
Hamdy Abeer, Hussein Walid B.
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tripleC: Communication, Capitalism & Critique, 2010 The system of credit scoring has been built up in recent times on the basis of a compromise struck between individuality and surveillance in ways that boosted consumption through consumer debt.
Thomas Fay Ruddy
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Predicting Credit Scores with Boosted Decision Trees
Forecasting, 2022 Credit scoring models help lenders decide whether to grant or reject credit to applicants. This paper proposes a credit scoring model based on boosted decision trees, a powerful learning technique that aggregates several decision trees to form a ...
João A. Bastos
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A Soft Intelligent Risk Evaluation Model for Credit Scoring Classification
International Journal of Financial Studies, 2015 Risk management is one of the most important branches of business and finance. Classification models are the most popular and widely used analytical group of data mining approaches that can greatly help financial decision makers and managers to tackle ...
Mehdi Khashei, Akram Mirahmadi
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Internet Financial Credit Scoring Models Based on Deep Forest and Resampling Methods
IEEE Access, 2023 In recent years, deep learning credit scoring models have become a hot research topic in Internet finance. However, most of the existing studies are based on deep neural network models, whose structure is difficult to design.
Yu Zhong, Huiling Wang
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Credit Rating Score Analysis [PDF]
, 2017 We analyse a sample of funds and other securities each assigned a total rating score by an unknown expert entity. The scores are based on a number of risk and complexity factors, each assigned a category (factor score) of Low, Medium, or High by the expert entity.
Härdle, Wolfgang Karl +2 more
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Remarks on Statistical Measures for Assessing Quality of Scoring Models
Acta Universitatis Lodziensis. Folia Oeconomica, 2019 Granting a credit product has always been at the heart of banking. Simultaneously, banks are obligated to assess the borrower’s credit risk. Apart from creditworthiness, to grant a credit product, banks are using credit scoring more and more often ...
Adam Piotr Idczak
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An optimised credit scorecard to enhance cut-off score determination
South African Journal of Economic and Management Sciences, 2018 Background: Credit scoring is a statistical tool allowing banks to distinguish between good and bad clients. However, literature in the world of credit scoring is limited. In this article parametric and non-parametric statistical techniques that are used
Nico Kritzinger, Gary W. van Vuuren
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International Journal for Research in Applied Science and Engineering Technology, 2023 Abstract: A credit score is the numerical representation of a person’s credit worthiness, which is the likelihood that they will replay the borrowed money. Credit scores are used by lenders, such as banks and credit companies, to evaluate the risk of lending money or extending credit to an individual.
Krishna Balaji +2 more
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A hybrid feature selection method for credit scoring
EAI Endorsed Transactions on Context-aware Systems and Applications, 2017 Reliable credit scoring models played a very important role of retail banks to evaluate credit applications and it has been widely studied. The main objective of this paper is to build a hybrid credit scoring model using feature selection approach.
Sang Ha Van +2 more
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