evaluation of the efficiency of different methods in designing credit scoring models

heretofore, a vast spectrum of pattern recognition methods has been considered by researchers to design credit scoring models. but what has not been considered enough in these studies is the lack of consideration of the needs of this subject which differentiate it from a simple classification. it is necessary to observe the costs of a wrong classification, because practically the cost of improper classification of bad clients is more than the cost of improper classification of good ones.therefore, by applying various assessment methods in this study, it has been tried to examine the efficiency of various credit scoring methods and finally solving the prevailing problems by providing a proper assessment method.jel classification: e47, e51, g17