Credit scoring and its applications pdf

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Published: 02.05.2021

• Credit Scoring and Its Applications
• Credit Scoring and Its Applications
• Using Neural Networks for Credit Scoring

Credit Scoring and Its Applications

Thomas, Lyn C. SIAM , pp. Tremendous growth in the credit industry has spurred the need for Credit Scoring and Its Applications, the only book that details the mathematical models that help creditors make intelligent credit risk decisions. Creditors of all types make risk decisions every day, often haphazardly. This book addresses the two basic types of decisions and offers sound mathematical models to assist with the decision-making process. The first decision creditors face is whether to grant credit to a new applicant credit scoring , and the second is how to adjust the credit restrictions or the marketing effort directed at a current customer behavioral scoring. The authors have filled an important niche with this groundbreaking book.

Credit Scoring and Its Applications

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Using Neural Networks for Credit Scoring

Financial institutions are exposed to credit risk due to issuance of consumer loans. Thus, developing reliable credit scoring systems is very crucial for them. Since, machine learning techniques have demonstrated their applicability and merit, they have been extensively used in credit scoring literature. Recent studies concentrating on hybrid models through merging various machine learning algorithms have revealed compelling results. There are two types of hybridization methods namely traditional and ensemble methods.