A hybrid data mining model of feature selection algorithms and ensemble learning classifiers for credit scoring
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امتیاز اعتباری، در حقیقت یک مدل آماری است که در نتیجه پیاده‌سازی آن اعتباردهنده قادر خواهد بود ریسک اعطای تسهیلات به متقاضی اعتبار را بر اساس ویژگی‌های وی تعیین نماید. به عبارت دیگر، امتیاز اعتباری، احتمال آماری عدم بازپرداخت به‌موقع اقساط اعتبار، تسهیلات یا تعهد را تعیین می‌نماید. امتیازدهی اعتباری بر این فرض استوار است که روش‌های آماری قادرند رفتار آتی اعتبارگیرندگان را بر مبنای جزئیات رفتار پیشین آنها پیش‌بینی نمایند. امتیاز اعتباری، سطح ریسک را محاسبه و میزان ارزیابی‌های قضاوتی را در فرایند تصمیم‌گیری اهلیت اعتبارگیرنده کاهش می‌دهد. این تکنیک موجب ساده‌ترشدن رویه‌های ارزیابی درخواست‌های اعتبار اشخاص حقیقی و حقوقی می‌شود. مدل امتیازدهی اعتباری موجب می‌شود ادارات مربوطه به نحو سریع‌تر و راحت‌تری نسبت به مدیریت ریسک اعتباری اقدام نمایند. این تکنیک یکی از قابل اتکاترین و منسجم‌ترین تکنیک‌ها در زمینه ارزیابی ریسک مشتریان بالقوه یا موجود بشمار می‌رود. در دهه‌های اخیر تکنیک امتیازدهی اعتباری به یکی از رایج‌ترین تکنیک‌های روز دنیا تبدیل شده است.
در این صفحه، تعداد 135 مقاله انگلیسی از ژورنال ها و مجلات معتبر پایگاه ساینس دایرکت (ScienceDirect) درباره موضوع امتیازدهی اعتباری آرشیو شده است که شما می توانید مقالات مورد نظر خود را بر اساس سال انتشار، موضوع مقاله، وضعیت ترجمه و تعداد صفحات، انتخاب نموده و دانلود فرمایید.
در صورتی که مقاله لاتین مورد نظر شما تا کنون به زبان فارسی ترجمه نشده باشد، واحد ترجمه پایگاه ISI Articles با همکاری تنی چند از اساتید و مترجمان با سابقه، آمادگی دارد آن را در اسرع وقت و با کیفیت مطلوب برای شما ترجمه نماید.
در صورتی که مقاله لاتین مورد نظر شما تا کنون به زبان فارسی ترجمه نشده باشد، واحد ترجمه پایگاه ISI Articles با همکاری تنی چند از اساتید و مترجمان با سابقه، آمادگی دارد آن را در اسرع وقت و با کیفیت مطلوب برای شما ترجمه نماید.
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