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Classificação exacta da pontuação de crédito usando o Ensemble GradientBoost

Classificação exacta da pontuação de crédito usando o Ensemble GradientBoost

          
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About the Book

A indústria do crédito tem crescido muito rapidamente em quase todo o mundo. Dar crédito é considerado como uma actividade empresarial que gera lucros para os bancos e outras instituições financeiras. No entanto, os empréstimos também podem ser uma fonte de risco de perda. A recente crise financeira chamou a atenção dos bancos e de outras instituições financeiras para o risco de crédito. Por conseguinte, o Comité de Basileia pediu a todos os bancos e instituições financeiras que implementassem um sistema de pontuação de crédito para ajudar a estimar o nível de risco de crédito. O método de pontuação de crédito foi desenvolvido para seleccionar um modelo melhor na previsão do risco de crédito. Os métodos de extracção de dados são superiores aos métodos estatísticos de lidar com questões de pontuação de crédito, especialmente para relações não lineares entre variáveis. Através da utilização do método de conjunto com métodos estatísticos, provou-se alcançar um nível de precisão superior ao método de extracção de dados. o processo de classificação será levado a cabo para classificar os potenciais mutuários em duas classes: bons e maus potenciais mutuários com base nas características dos potenciais mutuários utilizando o método de conjunto GradientBoost.


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Product Details
  • ISBN-13: 9786205726518
  • Publisher: KS Omniscriptum Publishing
  • Publisher Imprint: Edicoes Nosso Conhecimento
  • Height: 229 mm
  • No of Pages: 56
  • Spine Width: 3 mm
  • Width: 152 mm
  • ISBN-10: 6205726513
  • Publisher Date: 23 Feb 2023
  • Binding: Paperback
  • Language: Portuguese
  • Returnable: N
  • Weight: 95 gr


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Classificação exacta da pontuação de crédito usando o Ensemble GradientBoost
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