A dynamic credit risk assessment model with data mining techniques: evidence from Iranian banks
نویسندگان
چکیده
منابع مشابه
Credit scoring in banks and financial institutions via data mining techniques: A literature review
This paper presents a comprehensive review of the works done, during the 2000–2012, in the application of data mining techniques in Credit scoring. Yet there isn’t any literature in the field of data mining applications in credit scoring. Using a novel research approach, this paper investigates academic and systematic literature review and includes all of the journals in the Science direct onli...
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It is increasingly important for banks to analyze and understand their risk’s portfolio, in particularly those related to credit card as it is one of those instruments that provide the highest return as well as potentially, most risky. The competitive level for the credit card business have increased significantly in the last few years due to the push by the banks to brought forth many new diff...
متن کاملcredit scoring in banks and financial institutions via data mining techniques: a literature review
this paper presents a comprehensive review of the works done, during the 2000–2012, in the application of data mining techniques in credit scoring. yet there isn’t any literature in the field of data mining applications in credit scoring. using a novel research approach, this paper investigates academic and systematic literature review and includes all of the journals in the science direct onli...
متن کاملthe clustering and classification data mining techniques in insurance fraud detection:the case of iranian car insurance
با توجه به گسترش روز افزون تقلب در حوزه بیمه به خصوص در بخش بیمه اتومبیل و تبعات منفی آن برای شرکت های بیمه، به کارگیری روش های مناسب و کارآمد به منظور شناسایی و کشف تقلب در این حوزه امری ضروری است. درک الگوی موجود در داده های مربوط به مطالبات گزارش شده گذشته می تواند در کشف واقعی یا غیرواقعی بودن ادعای خسارت، مفید باشد. یکی از متداول ترین و پرکاربردترین راه های کشف الگوی داده ها استفاده از ر...
Predicting the Credit Risk of Loans Using Data Mining Tools
One of the most common causes or credit phenomenon that is taken into account for credit risk is the customer’s noncompliance with the commitments. Thus, by predicting the behavior of loan applicants, the growth rate of debts can be decreased. Hence, this study is conducted on corporate applicants for loans in one of the public banks in Iran. In this paper, the main elements comprising the cus...
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ژورنال
عنوان ژورنال: Financial Innovation
سال: 2019
ISSN: 2199-4730
DOI: 10.1186/s40854-019-0121-9