{"title":"重组信贷流程:德国企业行为评分","authors":"Sebastian Fritz, Detlef Hosemann","doi":"10.1002/(SICI)1099-1174(200003)9:1%3C9::AID-ISAF168%3E3.0.CO;2-Q","DOIUrl":null,"url":null,"abstract":"An instrument for automated monthly credit standing analysis based on data of the corporates current accounts is presented. Different methods of statistics and machine learning are used to develop scoring models for the supervision of debtors. The following methods were selected for model developement: \n \n \n \nLinear Discriminant Analysis \n \n \n \n \nPattern Recognition (k-nearest-neighbours) \n \n \n \n \nGenetic Algorithms \n \n \n \n \nNeural Networks \n \n \n \n \nDecision Trees \n \n \n \n \nThe developed models were compared not only concerning their classification results but also concerning score distribution, transparency and IT-realisation. Copyright © 2000 John Wiley & Sons, Ltd.","PeriodicalId":153549,"journal":{"name":"Intell. Syst. Account. Finance Manag.","volume":"92 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2000-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"30","resultStr":"{\"title\":\"Restructuring the credit process: behaviour scoring for german corporates\",\"authors\":\"Sebastian Fritz, Detlef Hosemann\",\"doi\":\"10.1002/(SICI)1099-1174(200003)9:1%3C9::AID-ISAF168%3E3.0.CO;2-Q\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"An instrument for automated monthly credit standing analysis based on data of the corporates current accounts is presented. Different methods of statistics and machine learning are used to develop scoring models for the supervision of debtors. The following methods were selected for model developement: \\n \\n \\n \\nLinear Discriminant Analysis \\n \\n \\n \\n \\nPattern Recognition (k-nearest-neighbours) \\n \\n \\n \\n \\nGenetic Algorithms \\n \\n \\n \\n \\nNeural Networks \\n \\n \\n \\n \\nDecision Trees \\n \\n \\n \\n \\nThe developed models were compared not only concerning their classification results but also concerning score distribution, transparency and IT-realisation. Copyright © 2000 John Wiley & Sons, Ltd.\",\"PeriodicalId\":153549,\"journal\":{\"name\":\"Intell. Syst. Account. Finance Manag.\",\"volume\":\"92 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2000-03-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"30\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Intell. Syst. Account. Finance Manag.\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.1002/(SICI)1099-1174(200003)9:1%3C9::AID-ISAF168%3E3.0.CO;2-Q\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Intell. Syst. Account. Finance Manag.","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1002/(SICI)1099-1174(200003)9:1%3C9::AID-ISAF168%3E3.0.CO;2-Q","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
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