Consumer credit risk assessment involves the use of risk assessment tools to manage a borrower’s account from the time of pre-screening a potential application through to the management of the account during its life and possible write-off. The riskiness of lending to a credit applicant is usually estimated using a logistic regression model though researchers have considered many other types of...

Supertree methods combine a set of phylogenetic trees into a single supertree. Similar to supermatrix methods, these methods provide a way to reconstruct larger parts of the Tree of Life, potentially evading the computational complexity of phylogenetic inference methods such as maximum likelihood. The supertree problem can be formalized in different ways, to cope with contradictory information ...

In order to evaluate the Guizhou Weining Weizhang (qian dian) highway engineering construction affects surrounding environment, according nature of project, scale, location, using production technology or pollution prevention and measures for analysis, through water air sound ecological environment four evaluation factor analysis evaluation. Through eight working area waste water, sewage qualit...

The contribution of this thesis is developing a top performing Ad Auction agent for the Trading Agent Competition (TAC). This agent models the users populations using particle filters, based on a Nearest Neighbor estimator (instead of game specific parameters). It also uses a simple and effective bid optimization algorithm, that applies the equimarginal principal combined with perplexity-based ...

We address the problem of supply chain performance when the retailers have bargaining power. In particular, in a supply chain with one supplier selling to multiple competing retailers, we investigate the effect of retailer bargaining power in the allocation of total supply chain profit among all channel members. We model a retailer’s bargaining power through its ability to set reservation profi...

In this contribution approaches for the distribution of profit within networked production structures to the different network members are introduced and discussed. In this context exact rules are indispensable for the success of a cooperation because profits are the main target of all economic activities. In this context three influencing parameters are considered: a fixed share, a value-addin...

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...

one of important conditions of capital, is the condition to guarantee profit. with due attention of illegality of the free- interest and forbidding of the usury under the islamic and iranian law, it is necessary that; the legal status of this condition and it’s legal sanction to be considered it seems that, the condition to guarantee profit is a condition about the performance of act by witch t...