The implementation of the Third Basel Accord raises many technical and methodological questions regarding the development and validation of credit risk models and makes these questions much more important. The current article presents a model for creditworthiness analysis of the bank loan applicants. The fuzzy sets theory is approved as the proposed approach to the creditworthiness assessment u...

Since the teaching ability has been influenced by many factors in volleyball sports teaching, it is more difficult to make objective and fair evaluation to mark it. At present, the evaluation volleyball teaching ability is mainly based on the following aspects, such as students’ academic achievements students’ evaluation for teacher and the finished status of teaching projects. All the evaluati...

In recent years, Fuzzy Time Series have been considered a promising tool to deal with forecasting problems due to the ease to model the problems, the satisfactory results obtained and also to the low computational cost required. However, the long experience with traditional methods coming from statistics, certainly brings a rich knowledge that can be used to enhance the computational methods em...

Speckle noise and artifacts in echocardiogram may cause edges to manifest themselves in different manners. As a result, edges in echocardiogram are identified with ambiguous definitions and they pose challenges for conventional gradient approximations that typically characterize an edge as an abrupt change in gray-level. Therefore, an approach using fuzzy reasoning that works on a different not...

Additive fuzzy systems combined with supervised or unsupervised learning have been proposed to deal with impulsive noise in discrete-time signals, but suffer from the curse of dimensionality. Faster methods, possibly based on new paradigms, would be welcome. Order statistics filters and their fuzzy counterparts provide alternative and robust ways of dealing with discrete-time data, but the idea...

Behavior analysis of credit cardholders is one of the main research topics in credit card portfolio management. Usually, the cardholder’s behavior, especially bankruptcy, is measured by a score of aggregate attributes that describe cardholder’s spending history. In real-life practice, statistics and neural networks are the major players to calculate such a score system for prediction. Recently,...

The usual procedure to compare metaheuristics or evolutionary algorithms using cross validation is repeating the training stage several times for each train/test pair. In general, the results of the different repetitions are not independent and this practice is questionable. In this work, it is suggested to represent the results of each train/test set pair by an interval or by a fuzzy set and u...

We applied genetic algorithms to fuzzy rule generation to compute expert system rules from data. We have attempted to improve on existing techniques for the automatic generation of fuzzy logic expert system rules with a method we call genetic data clustering (GDC). A genetic algorithm groups training data points by their degree of similarity, and fuzzy logic expert system rules are formed from ...

This paper proposes a new formalization of the classical probability-possibility relation, which is further confirmed as a much complex, but natural provability – reachability possibility probability fuzzy membership – integrability interconnection. Searching for the right context in which this relation can be consistently expressed for the particular case of experimentally obtained iris recogn...

− In this paper a development of an adaptive Kalman filter through a fuzzy inference system (FIS) is outlined. The adaptation is concerned with the imposition of conditions under which the filter measurement noise covariance matrix R or the process noise covariance matrix Q are estimated. The adaptive adjustment is carried out using a FIS based on the whiteness of the filter innovation sequence...