A Credit Scoring Model for SMEs Based on Accounting Ethics
نویسندگان
چکیده
منابع مشابه
A Credit Scoring Model for SMEs Based on Accounting Ethics
Various types of government credit guarantee programs exist for smalland medium-sized enterprises (SMEs). The SMEs guaranteed by these programs can resolve their financial difficulties by obtaining loans from banks or being included in a pool for the issuance of primary collateralized bond obligations. However, the loan default rate for these supported firms is high owing to their moral hazard,...
متن کاملa trust-based credit scoring model using neural network
credit decisions are extremely vital for any type of financial institution because it can stimulate huge financial losses generated from defaulters. credit scoring models are decision support systems that take a set of predictor variables as input and provide a score as output and creditors use these models to justify who will get credit and who will not. many different credit scoring models ha...
متن کاملCombining Forecast Model Based on PSO for Personal Credit Scoring
Aiming at the insufficiency of credit scoring models, this paper puts out a new approach by using combining forecast model for personal credit scoring. Based on linear regression and logistic regression models, this paper constructed a combining model and used particle swarm optimization (PSO) to search each single model’s weight. In order to control the type II error rate,the particle’s fitnes...
متن کاملA Statistical Model for Credit Scoring
We derive a model for consumer loan default and credit card expenditure. The default model is based on statistical models for discrete choice, in contrast to the usual procedure of linear discriminant analysis. The model is then extended to incorporate the default probability in a model of expected profit. The technique is applied to a large sample of applications and expenditure from a major c...
متن کاملmortality forecasting based on lee-carter model
over the past decades a number of approaches have been applied for forecasting mortality. in 1992, a new method for long-run forecast of the level and age pattern of mortality was published by lee and carter. this method was welcomed by many authors so it was extended through a wider class of generalized, parametric and nonlinear model. this model represents one of the most influential recent d...
15 صفحه اولذخیره در منابع من
با ذخیره ی این منبع در منابع من، دسترسی به آن را برای استفاده های بعدی آسان تر کنید
ژورنال
عنوان ژورنال: Sustainability
سال: 2017
ISSN: 2071-1050
DOI: 10.3390/su9091588