Intelligent credit scoring system using knowledge management
نویسندگان
چکیده
منابع مشابه
Using 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...
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One of the key decision activities in financial institutions is to assess the credit-worthiness of an applicant for a loan, and thereupon decide whether or not to grant the loan. Many classification methods have been suggested in the credit-scoring literature to distinguish good payers from bad payers. Especially neural networks have received a lot of attention. However, a major drawback is the...
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Credit scoring or credit risk assessment is an important research issue in the banking industry. The major challenge of credit scoring is to recruit the profitable customers by predicting the bankrupts. The credit scoring carried out by traditional data driven approaches resulted only in an imprecise solution. Also the domain-driven based multiple criteria and multiple constraint (MC2) level pr...
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Credit scoring methods aim to assess credit worthiness of potential borrowers to keep the risk of credit loss low and to minimize the costs of failure over risk groups. Standard parametric approaches as logistic discrimination analysis assume that the probability of belonging to the group of ”bad” clients is given by P (Y = 1|X) = F (βX), with Y = 1 indicating a ”bad” client and X denoting the ...
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ژورنال
عنوان ژورنال: IAES International Journal of Artificial Intelligence (IJ-AI)
سال: 2019
ISSN: 2252-8938,2089-4872
DOI: 10.11591/ijai.v8.i4.pp391-398