Currently, in Iran's banking system, non-repayment of facilities has become one of the biggest issues, and due to the lack of a proper system for proper allocation of facilities, they face a number of problems, including the problem of allocation of loans, the problem of failure to repay loans Of the central bank, or the amount of facilities increased from the amount of reimbursement. The solut...

OUTLOOK: NEGATIVE Rationale Standard & Poor's Ratings Services revised its rating outlook to negative from stable on Chelan County Public Utility District (PUD) No. 1, Wash.'s hydroelectric consolidated system revenue bonds. At the same time, Standard & Poor's affirmed the 'AA' rating on the bonds and assigned its 'AA' rating to the district's $147 million electric revenue bonds, series 2004. T...

In a recommender system where users rate items we predict the rating of items users have not rated. We define a rating graph containing users and items as vertices and ratings as weighted edges. We extend the work of [1] that uses the resistance distance on the bipartite rating graph incorporating negative edge weights into the calculation of the resistance distance. This algorithm is then comp...

nowadays, credit risk is recognized as one of the most important bankruptcy factors of banks and financial institutions. in order to manage and control this risk, design of credit rating models is undeniable necessity. credit rating is used to identify the probability of credit default and on the other side classify the customers into two groups: good and bad accounts. until now, various statis...

In order to deal with free riding in P2P system, incentive mechanism or rating system is presented, and each user rating is computed by itself, which causes that some users exaggerate their ratings. In this paper, three aspects are developed for free riding and for improving service performance in P2P. First of all, it is useful to keep away fake rating that each user rating is calculated by th...