Results 41 to 50 of about 27,113 (158)
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
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Scoring Models of Bank Credit Policy Management
Economic Analysis, 2017 The aim of this paper is to present how credit scoring models can be used in financial institutions, in this case in banks, in order to simplify credit lending.
Aida Hanić +2 more
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Credit Scoring for Micro-Loans
CoRR, 2019 Credit Scores are ubiquitous and instrumental for loan providers and regulators. In this paper we showcase how micro-loan credit system can be developed in real setting. We show what challenges arise and discuss solutions. Particularly, we are concerned about model interpretability and data quality.
Nikolay Dubina, Dasom Kang, Alex Suh
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Credit Scoring via PCALWM [PDF]
, 2005 We have presented a principal component analysis linear-weighted model (PCALWM) for credit scoring in [5,6], this article is a further study on this model. We revised the application procedure in the credit scoring, and tested it by a larger real-life credit card dataset.
Jianping Li 0001 +2 more
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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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Bank Client Credit Scoring, Along With Loan Parameters Optimization Using the Simulation-Optimization Model [PDF]
Mathematics and Modeling in FinanceThis study assesses a new simulation-optimization method for credit scoring and bank loan parameter optimization. The proposed approach encompasses data preparation, credit scoring, and simulation-optimization stages. Initially, data regarding bank loans
Amir Khorrami +2 more
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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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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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Credit scoring in consumer credits
, 2021 Bu çalışmanın amacı kredi skorlama teknikleri hakkında genel bir özet sunmak ve taşıt kredileri ile nakit ödemeli bireysel krediler için başvuru skorkart modelleri oluşturmaktır. Kredi skorlarının modellemesinde lojistik regresyon yöntemi kullanılmış olup, her bir kredi türü için ayrı veri kümeleri kullanılmıştır.
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