Results 41 to 50 of about 744,755 (195)
Which Curve Fits Best: Fitting ROC Curve Models to Empirical Credit-Scoring Data
Risks, 2022 In the practice of credit-risk management, the models for receiver operating characteristic (ROC) curves are helpful in describing the shape of an ROC curve, estimating the discriminatory power of a scorecard, and generating ROC curves without underlying
Błażej Kochański
doaj +1 more source
Credit Rating Score Analysis [PDF]
, 2016 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.
Wolfgang Karl Härdle +3 more
openaire +2 more sources
Does segmentation always improve model performance in credit scoring?
, 2012 Credit scoring allows for the credit risk assessment of bank customers. A single scoring model (scorecard) can be developed for the entire customer population, e.g. using logistic regression. However, it is often expected that segmentation, i.e. dividing
Lyn C. Thomas +3 more
core +1 more source
A Comparison between Logit Model and Classification Regression Trees (CART) in Customer Credit Scoring Systems [PDF]
پژوهشهای اقتصادی, 2008 With the continuous development and changes in the credit industry, credit products play a more important role in the economy. This has led institutions to expand the role of technology in their credit management processes.
gholam reza . Keshavarz Haddad +1 more
doaj
Modelling customers credit card behaviour using bidirectional LSTM neural networks
Journal of Big Data, 2021 With the rapid growth of consumer credit and the huge amount of financial data developing effective credit scoring models is very crucial. Researchers have developed complex credit scoring models using statistical and artificial intelligence (AI ...
Maher Ala’raj +2 more
doaj +1 more source
Development of Credit Scoring Model to Determine the Creditworthiness of Borrowers
JISR on Computing, 2014 The explosive growth of data in banking sector is common phenomena. It is due to early adaptation of information system by Banks. This vast volume of historical data related to financial position of individuals and organizations compel banks to evaluate
Amjad Ali, Muhammad Rafi
doaj +1 more source
An analysis of credit scoring for agricultural loans in Thailand [PDF]
, 2015 The following is a summary of An Analysis of Credit Scoring for Agricultural Loans in Thailand written by Visit Limsombunchai, Christopher Gan and Minsoo Lee, published by Science Publications in 2005.
Limsombunchai, V, Lee, M, Gan, C
core
Credit scoring models: Evolution from standard statistical methods to machine learning techniques [PDF]
, 2023 openThis thesis investigates how credit scoring models have evolved over time from standard statistic techniques to advanced machine learning models and what advancements and challenges the evolution of these models has led to.This thesis investigates ...
DONGHI, FRANCESCO
core
Credit scoring:basic theory and applications
大数据, 2017 Credit scoring is the foundation of market transactions all over the world.Big data analysis based credit scoring plays an immeasurable role in global economics.In the 13th Five-Year Plan of China,it has been proposed as strategic developmental goal to ...
Yong SHI, Fan MENG
doaj
Credit scoring for microfinance: is it worth it?
International Journal of Finance & Economics, 2011 ABSTRACTDue 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
openaire +2 more sources