Essays about: "credit score model"
Showing result 1 - 5 of 23 essays containing the words credit score model.
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1. Credit Card Approval Prediction : A comparative analysis between logistic regressionclassifier, random forest classifier, support vectorclassifier with ensemble bagging classifier.
University essay from Blekinge Tekniska Högskola/Institutionen för datavetenskapAbstract : Background. Due to an increasing number of credit card defaulters, companies arenow taking greater precautions when approving credit applications. When a customermeets certain requirements, credit card firms typically use their experience todecide whether to grant them a credit card. READ MORE
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2. RNN-based Graph Neural Network for Credit Load Application leveraging Rejected Customer Cases
University essay from Högskolan i Halmstad/Akademin för informationsteknologiAbstract : Machine learning plays a vital role in preventing financial losses within the banking industry, and still, a lot of state of the art and industry-standard approaches within the field neglect rejected customer information and the potential information that they hold to detect similar risk behavior.This thesis explores the possibility of including this information during training and utilizing transactional history through an LSTM to improve the detection of defaults. READ MORE
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3. Green corporate loans : A model-creating study exploring what information is used and its role when assessing green corporate loans
University essay from Uppsala universitet/Företagsekonomiska institutionenAbstract : Banks have a vital role in the society-wide green transition. However, the field of green finance is relatively unexplored in academia. READ MORE
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4. Peeking Through the Leaves : Improving Default Estimation with Machine Learning : A transparent approach using tree-based models
University essay from Umeå universitet/Institutionen för matematik och matematisk statistikAbstract : In recent years the development and implementation of AI and machine learning models has increased dramatically. The availability of quality data paving the way for sophisticated AI models. Financial institutions uses many models in their daily operations. READ MORE
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5. Application of the Merton Model and the Altman Z-score Model in Credit Risk Assessment - an Empirical Study on Chinese Listed Companies
University essay from Lunds universitet/Nationalekonomiska institutionenAbstract : Corporate default poses significant risks to investors and stakeholders, highlighting the importance of predicting and managing financial risk effectively. When the geographical scope is narrowed down to China, the unique characteristics of the Chinese market, such as the lack of comprehensive credit risk databases and the influence of state-owned enterprises and small-medium enterprises, present challenges in accurately assessing creditworthiness. READ MORE