CHOKE
发表于 2025-3-25 05:50:44
Conclusion,. The research question was to determine which method more accurately predicts individual defaults based on the comparison of AI and logit models. In order to answer the research question, theoretical concepts regarding credit scoring were introduced.
打包
发表于 2025-3-25 07:37:19
Book 2022es. The comparison of logistic regression, decision tree, and random forest showed that machine learning methods are able to predict credit defaults of individuals more accurately than the logit model. Furthermore, it was demonstrated how random forest and decision tree models were more sensitive in detecting default borrowers.
抛射物
发表于 2025-3-25 13:26:48
Introduction,development of credit risk management can improve the competitiveness of European banks and financial institutions. The necessity of more accurate credit risk modeling motivates researchers to discover new methods in credit assessment.
handle
发表于 2025-3-25 16:38:22
Theoretical Concepts of Credit Scoring, discriminant analysis for the classification of groups based on the independent variables. Fisher’s research defined the discriminant function that was based on a linear combination of predictors that discriminates the predicted variable.
Coronation
发表于 2025-3-25 21:55:37
Credit Scoring Methodologies,ch, where a linear combination of independent features is used for the representation of a dependent variable. In credit scoring, independent parameters are risk factors, and a dependent variable is PD or creditworthiness level. Discriminant analysis is the first linear approach that was applied for
sclera
发表于 2025-3-26 00:08:04
Conclusion,. The research question was to determine which method more accurately predicts individual defaults based on the comparison of AI and logit models. In order to answer the research question, theoretical concepts regarding credit scoring were introduced.
神圣将军
发表于 2025-3-26 06:16:10
http://reply.papertrans.cn/16/1591/159087/159087_27.png
facilitate
发表于 2025-3-26 09:58:29
http://reply.papertrans.cn/16/1591/159087/159087_28.png
Ordnance
发表于 2025-3-26 12:39:40
http://reply.papertrans.cn/16/1591/159087/159087_29.png
Measured
发表于 2025-3-26 20:28:42
http://reply.papertrans.cn/16/1591/159087/159087_30.png