Credit scoring - Case study in data analytics
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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 کاملInvestigating the missing data effect on credit scoring rule based models: The case of an Iranian bank
Credit risk management is a process in which banks estimate probability of default (PD) for each loan applicant. Data sets of previous loan applicants are built by gathering their data, and these internal data sets are usually completed using external credit bureau’s data and finally used for estimating PD in banks. There is also a continuous interest for bank to use rule based classifiers to b...
متن کاملPersonal Credit Score Prediction using Data Mining Algorithms (Case Study: Bank Customers)
Knowledge and information extraction from data is an age-old concept in scientific studies. In industrial decision-making processes, the application of this concept gives rise to data-mining opportunities. Personal credit scoring is an ever-vital tool for banking systems in order to manage and minimize the inherent risks of the financial sector, thus, the design and improvement of credit scorin...
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 کاملCredit scoring in banks and financial institutions via data mining techniques: A literature review
This paper presents a comprehensive review of the works done, during the 2000–2012, in the application of data mining techniques in Credit scoring. Yet there isn’t any literature in the field of data mining applications in credit scoring. Using a novel research approach, this paper investigates academic and systematic literature review and includes all of the journals in the Science direct onli...
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تاریخ انتشار 2016