Results 41 to 50 of about 25,439 (153)
Credit Scoring and Loan Default [PDF]
International Review of Finance, 2011 AbstractA metric of credit score performance is developed to study the usage and performance of credit scoring in the loan origination process. We examine the performance of originationFICOscores as measures ofex anteborrower creditworthiness using loan‐level data onex postperformance of subprime mortgages.
Sengupta, Rajdeep, Bhardwaj, Geetesh
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, 1999 The scenario considered is that of a credit association, a bank or another financial institution which, on the basis of information about a new potential customer and historical data on many other customers, has to decide whether or not to give that customer a certain loan. We discuss three popular techniques: logistic regression, discriminant analysis
Kronborg, Dorte, Tjur, Tue, Vincents, Bo
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Enhancement of transparency and accuracy of credit scoring models through genetic fuzzy classifier [PDF]
Maejo International Journal of Science and Technology, 2010 Credit risk evaluation systems play an important role in the financial decision-making by enabling faster credit decisions, reducing the cost of credit analysis and diminishing possible risks.
Raja N. Ainon
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, 2015 RESUMEN: El credit scoring es un sistema de modelos de decisión a través del cual se calcula la probabilidad de que un sujeto sea capaz de devolver o no un crédito comercial. Este trabajo realiza una simulación de este modelo con la intención de familiarizarse con el funcionamiento del mismo, así como con el marco teórico que este conlleva.
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YOU and YOUR CREDIT: Credit Scores
EDIS, 2008 This document is FCS7233, one of the YOU and YOUR CREDIT series by Michael S. Gutter, Joan P. Elmore, and Travis P. Mountain. Published by the UF Department of Family Youth and Community Sciences, September 2008. FCS7233/FY1068: YOU and YOUR CREDIT: Credit Scores (ufl.edu)
Michael S. Gutter +2 more
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Economia Aplicada, 2003 The development of scoring models for credit risk management and behaviour analysis of clients is quite important in the routine of commercial banks, financing companies, credit card operations, marketing units and large department stores.
Luis Fernando Landa Lecumberri +1 more
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Revista Eletrônica de Ciência Administrativa, 2017 This paper aims to show the importance of the use of financial metrics in decision-making of credit scoring models selection. In order to achieve such, we considered an automatic approval system approach and we carried out a performance analysis of the ...
Rodrigo Alves Silva +2 more
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Using Genetic Algorithm in Optimizing Decision Trees for Credit Scoring of Banks Customers [PDF]
Journal of Information Technology Management, 2010 Decision trees as one of the data mining techniques, is used in credit scoring of bank customers. The main problem is the construction of decision trees in that they can classify customers optimally.
Mahmood i Alborz +2 more
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A comparison of data mining techniques for credit scoring in banking: A managerial perspective
Journal of Business Economics and Management, 2009 Credit scoring is a very important task for lenders to evaluate the loan applications they receive from consumers as well as for insurance companies, which use scoring systems today to evaluate new policyholders and the risks these prospective customers ...
Huseyin Ince, Bora Aktan
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AN IT2FS MODEL FOR SHARIA CREDIT SCORING: ANALYSIS & DESIGN
Jurnal Sistem Informasi, 2014 Credit scoring system is a classic problem which is still interesting to study. There are many studies on credit scoring. But, most of them only discuss feasibility analysis.
Galih Kurniawan Sidik +2 more
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