Assessment of a credit scoring system for popular bank savings and credit
نویسندگان
چکیده
منابع مشابه
Using the Hybrid Model for Credit Scoring (Case Study: Credit Clients of microloans, Bank Refah-Kargeran of Zanjan, Iran)
In any country, commercial banks lay the groundwork for economic growth by collecting national resources and capitals and allocating them to different economic sectors. Optimal allocation of resources is especially important in achieving this goal. Banks with an effective and dynamic system of customer assessment can efficiently allocate their resources to customers regardless of their geograph...
متن کاملClassification and Dimension Reduction in Bank Credit Scoring System
Customer credit is an important concept in the banking industry, which reflects a customer’s non-monetary value. Using credit scoring methods, customers can be assigned to different credit levels. Many classification tools, such as Support Vector Machines (SVMs), Decision Trees, Genetic Algorithms can deal with high-dimensional data. However, from the point of view of a customer manager, the cl...
متن کاملUsing DEA for Classification in Credit Scoring
Credit scoring is a kind of binary classification problem that contains important information for manager to make a decision in particularly in banking authorities. Obtained scores provide a practical credit decision for a loan officer to classify clients to reject or accept for payment loan. For this sake, in this paper a data envelopment analysis- discriminant analysis (DEA-DA) approach is us...
متن کاملFeature Selection in Credit Scoring Model for Credit Card Applicants in XYZ Bank: A Comparative Study
The performance of credit scoring models is determined by the used features. The relevant features for credit scoring usually are determined unsystematic and dominate by arbitrary trial. This paper presents a comparative study of four feature selection methods, which use data mining approach in reducing the feature space. The final results show that among the four feature selection methods, the...
متن کاملSmall Business Credit Scoring and Credit Availability
U.S. commercial banks are increasingly using credit scoring models to underwrite small business credits. This paper discusses this technology, evaluates the research findings on the effects of this technology on small business credit availability, and links these findings to a number of research and public policy issues. JEL classification: G21, G28, G34, L23
متن کاملذخیره در منابع من
با ذخیره ی این منبع در منابع من، دسترسی به آن را برای استفاده های بعدی آسان تر کنید
ژورنال
عنوان ژورنال: Contaduría y Administración
سال: 2016
ISSN: 0186-1042
DOI: 10.1016/j.cya.2015.11.004