The performance of credit scoring models is determined by the used features. The relevant features for credit scoring usually are determined unsystematic and dominate by arbitrary trial. This paper presents a comparative study of four feature selection methods, which use data mining approach in reducing the feature space. The final results show that among the four feature selection methods, the...

Brief introduced the concepts of credit and credit risk in e-commerce, analyzed the impact of credit risks in e-commerce. Gave out the basic contents of personal credit information and business credit information in e-commerce, and analyzed and pointed out the main factors that caused the security risks of e-commerce credit information. At last, proposed some technical and non-technical measure...

An ability to understand and predict financial wellbeing for individuals is of interest to economists, policy designers, financial institutions, and the individuals themselves. According to the Nilson reports, there were more than 3 billion credit cards in use in 2013, accounting for purchases exceeding US$ 2.2 trillion, and according to the Federal Reserve report, 39% of American households we...

Using a unique dataset combining panel data of reported financial information for a sample of small and medium enterprises in India with data from a survey of the same firms regarding the role of relationships in supply of inter-firm credit, the present study examines the availability and importance of relationship-based informal credit for small firms given their total credit needs. We find th...

Firms depend heavily on trade credit. In the years 1980-2004 about 60% of all inputs to production were purchased with a delayed payment. This paper provides evidence that trade credit connection plays signi cant role in the growth stability of customers by reducing the propagation of rm-level shocks from suppliers onto their customers. On average, customer experiences about 20% lower disruptio...