دانلود مقاله ISI انگلیسی شماره 48593
عنوان فارسی مقاله

ساخت یک مدل امتیازدهی اعتباری اختصاص مجدد

کد مقاله سال انتشار مقاله انگلیسی ترجمه فارسی تعداد کلمات
48593 2009 10 صفحه PDF سفارش دهید محاسبه نشده
خرید مقاله
پس از پرداخت، فوراً می توانید مقاله را دانلود فرمایید.
عنوان انگلیسی
Constructing a reassigning credit scoring model
منبع

Publisher : Elsevier - Science Direct (الزویر - ساینس دایرکت)

Journal : Expert Systems with Applications, Volume 36, Issue 2, Part 1, March 2009, Pages 1685–1694

کلمات کلیدی
مدل امتیازدهی اعتباری
پیش نمایش مقاله
پیش نمایش مقاله ساخت یک مدل امتیازدهی اعتباری اختصاص مجدد

چکیده انگلیسی

Credit scoring model development became a very important issue as the credit industry has many competitions and bad debt problems. Therefore, most credit scoring models have been widely studied in the areas of statistics to improve the accuracy of credit scoring models during the past few years. In order to solve the classification and decrease the Type I error of credit scoring model, this paper presents a reassigning credit scoring model (RCSM) involving two stages. The classification stage is constructing an ANN-based credit scoring model, which classifies applicants with accepted (good) or rejected (bad) credits. The reassign stage is trying to reduce the Type I error by reassigning the rejected good credit applicants to the conditional accepted class by using the CBR-based classification technique. To demonstrate the effectiveness of proposed model, RCSM is performed on a credit card dataset obtained from UCI repository. As the results indicated, the proposed model not only proved more accurate credit scoring than other four common used approaches, but also contributes to increase business revenue by decreasing the Type I and Type II error of scoring system.

خرید مقاله
پس از پرداخت، فوراً می توانید مقاله را دانلود فرمایید.