this paper investigates the credit scoring accuracy of three naive bayesian classifier models.
论文研究了三种朴素贝叶斯分类器信用评估模型的精度。
the application of data mining classification techniques in credit scoring involves the process of building and selecting optimal models.
运用数据挖掘分类技术于信用评分问题包括一个建立模型以及选择最优模型的过程。
credit scoring also considers on-time payments, your credit history and other items.
信用评分还认为準时付款,你的信用记录和其他物品。
reducing risk: sophisticated credit scoring systems have reduced the risks of default and foreclosure while enabling the expanded use of automated underwriting systems.
降低风险:复杂的信用评分体系已降低了违约风险和丧失赎取权的风险,而同时可扩大自动保险系统的使用。
at the same time, analysis obstacles of credit scoring model in china smes loan application, and proposed the corresponding countermeasures.
同时,分析了信用评分模型在我国中小企业信贷应用中的障碍,提出了相应的对策建议。
however, lacking the scientific personal credit scoring system is one of most serious problems existed in the present chinese commercial bank credit risk management.
但是缺乏科学的个人信用评估体系是目前中国商业银行信用风险管理中最严重的问题之一。
personal credit scoring plays an important role in financial and banking industry.
个人信用评估是金融与银行界研究的重要内容。
it is one of important topics of commercial banks solving smes credit risk that developing a rational and effective method of smes credit scoring in commercial banks.
在商业银行内部发展一种合理有效的中小企业信用评分方法,是商业银行解决中小企业信贷风险的重要课题之一。
support introduction of credit scoring and automated underwriting, lower lenders「 operational costs in retail & sme lending, improve their margins, capital adequacy, and provisioning requirements.
帮助推出信贷评分和自动化贷款审批工具,降低贷款人在零售和中小企业贷款中的操作成本,改善利润、资本充足率和计提要求。
experimental results show that the model of credit scoring built by the algorithm is compact, comprehensible and accurate.
实验结果显示,该算法建立的客户信用度评分模型简洁、易懂和準确率高。
furthermore, the impact of the application of the credit scoring model and the changes after the application of advanced risk management methods are analyzed with empirical data.
本文更进一步讨论了先进的风险控制工具的使用给小企业信贷市场带来的沖击和改变。
we」ve identified several services offered by other systems in the bank -- crm, product information… and we will also capitalize on the bank「s relationship with our third-party credit scoring provider.
我们已经确定了银行中其他系统提供的几个服务——crm、产品信息……。我们还将利用银行与我们的第三方信用评级提供商的关系。
the internet giants alibaba, tencent and baidu are developing credit scoring systems based on users」 online transactions and search histories.
互联网巨头阿里巴巴、腾讯和百度正在研发以用户的线上交易和搜索历史记录为基础的信用评分系统。